InstalmentEase
Let verified rentals offset up to 80% of your monthly instalment*.
RentShield
Repayment protection when a verified tenant misses a payment
(T&Cs apply).
ComplySure
Home finance for properties that meet compliance standards.
WHY IT WORKS
Become a smart investor
Your property is held in your own dedicated company, offering enhanced personal protection and lower risk.
InstalmentEase
We consider total household income
In addition to your household salary income, we look at all other consistent income you receive, including commission and business income.
InstalmentEase
RentShield
Pay less or qualify for more
Rentals cover up to 60% of the monthly repayment contribution*.
TenantFlow
Safety-nets built in
We understand rentals so we built in protection for when tenants miss payments.
InstalmentEase
Pay less or qualify
for more
Rentals cover up to 80% of the monthly instalment*.
RentShield
Safety-nets built in
We understand rentals so we built in protection for when tenants miss payments.
TenantFlow
Rental Management Support
We provide tools and assistance to help you get tenants and collect rent.
Your finance, upgraded: qualify smarter, cushion shortfalls, and manage rentals with ease.
*T&Cs Apply.
Rentals cover up to 80% of the monthly instalment*.
We understand rentals so we built in protection for when tenants miss payments.
We provide tools and assistance to help you get tenants and collect rent.
SUPPORT & COVER
Your finance, upgraded
Qualify smarter, cushion shortfalls,
and manage rentals with ease.
HOW IT WORKS
Use rental income to qualify for more.
We include verified rental income in your affordability so you can buy bigger and pay less out-of-pocket.
How Rent Reduces
Your Instalment:
Monthly Repayment: R10,000
Monthly Rental Income: R6,000
Your Monthly Contribution: R4,000
Actual ratios depend on area demand, rental verification, credit checks, and property compliance.
Become a smart investor.
When you own property in your personal name, it's exposed to personal liability, divorce proceedings, creditor claims and more.
With Indlu Living, your property is held in your own dedicated company, protecting your investment while you remain the ultimate beneficiary.
Asset Protection
Your property sits in a ring-fenced entity, separate from personal risk
Simplified Estate Planning
Ownership transfers cleanly without the delays and costs of deceased estate processes
Professional Structure
The same approach used by sophisticated property investors, now accessible to you
Full Beneficial Ownership
You control the company, you benefit from the growth, you decide when to sell
We consider total household income
Traditional property financiers focus on your payslip. We focus on what you actually earn.
Rent collected counts toward your contribution.
When we assess your application, we include the potential rental income the property can generate. This reduces the amount you need to contribute, so you can buy bigger or pay less
Pay less or qualify for more:
How Rent Can Reduce Your Contribution:
Monthly Repayment: R10,000*
*Based on a typical R1,000,000 house
Monthly Rental Income: R6,000
Your Monthly Contribution: R4,000
Figures are for illustrative purposes only. Actual outcomes depend on area demand, credit assessment and final credit terms.
Payment protection when rent falls short.
We bundle in pro-grade support, tools, and software to help you run your rentals, from onboarding to collections
RentShield
Payment protection when rent falls short.
You won’t carry the full instalment while you’re between tenants or when rent isn’t paid. RentShield gives you breathing room through:
Term-extension: We allow for a certain extension on the repayment period to offset gaps in expected rent collection.
Leasing & management assist: Access our fully registered property-management partner to find tenants and handle collections.
TenantFlow
Built-in rental management support.
TRUSTED PARTNERS
in rental-backed finance provided to property owners.
of tenants managed and serviced to ensure rental income and repayment.
Investors introduced to the South African affordable housing sector.
Established and operational since
Rental-backed finance provided to property owners.
R150mil
Tenants managed and serviced to ensure rental income and repayment.
12,400+
Investors introduced to the South African affordable housing sector.
30+
Established &
operational since.
2017
ABOUT
Why Indlu Living?
Born in South Africa’s affordable rental economy, Indlu Living has helped hundreds of ordinary property owners turn spare rooms and underused plots into safe, income-earning homes. We built the business model and technology to list units, collect rent, and manage projects end-to-end.
From these humble beginnings we have funded and supported property owners, local developers, property investors and even first-time home buyers to establish rental generating assets
.
Today, we’re expanding that legacy with rental-backed finance that recognises rental income to help boost affordability so homeowners, entrepreneurs, and portfolios can pay less or qualify for more. It’s the same partner-led, Indlu-supported approach, focused on unlocking capital at pace, informed by years as market leaders in rental-backed housing.
THE DIFFERENCE
Why work with
Indlu Living over traditional financiers?
Key Finance Factors | Traditional Property Financiers | Indlu Living |
|---|---|---|
Tenant default protection | Limited | Core to our model |
Rental management | Difficult | Yes, if consistent |
Future rental income recognised | 10 - 20% often required | No deposit needed |
Commission and side income | Personal liability | Company ownership |
Deposit Required | You're on your own | Platform & Support provided |
Asset protection structure | None | Safety net with period extension |
THE PROCESS
Start on WhatsApp,
Finish with Funding
Apply through WhatsApp.
The application process will commence once you have shared some basic information with us on WhatsApp. You will be provided with a customer code that will be used as a unique identifier throughout your application journey..
1
Quick Consultant Call
We will then reach out to you, in order to verify your information, discuss next steps, collect additional information needed, and to answer any additional questions you might have.
2
Affordability Check
We'll require you to send through some documents (like payslips, bank statements and proof of other income) to perform the standard legal checks and assess your affordability.
3
Let's meet in person
Now that you have some clarity on the product you are interested in, we will set up a meeting to discuss what the process will look like going forward, and you'll be required to sign some forms in order for us to continue with the process.
4
Get pre-approved
After we have collected all the necessary documents and signatures, we will conduct our credit assessment. If successful, we notify you that you have been pre-approved
5
Property Approval & Purchase
After final approval, you'll be sent a term-sheet that sets out the basic T&C's of your agreement, which you may accept or decline. Once you've accepted, you will sign all the agreements necessary to release funds and transfer the property.
6
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BENEFITS
Strength that speaks for itself
Apply and share a few basics through WhatsApp so we can get you started.
Send your details on WhatsApp
1.
We reach out to guide and keep process moving.
Consultant Introduction
2.
We’ll run standard FICA checks to verify identity and prevent fraud.
Agree to FICA
3.
After you're FICA verified, we collect the remaining details to qualify for rental‑backed finance and register you as an Indlu Living Property Partner.
Complete your finance profile
4.
Our team reviews your documents, helps prove rent, and finalises your application.
Specialist assessment & support
5.
After approval, you’re onboarded to our Partner Portal and rental management software; funds are released as per the agreement.
Onboarding & release of funds
6.
Key Details & FAQs
Let's Address
the Obvious Questions.
This sounds too good to be true. What's the catch?
There’s no catch, but there are requirements: compliant properties, realistic rental numbers, and basic credit criteria. Think of it this way: traditional banks ignore half your income. We count all of it.
How does rental‑backed finance work?
We approve you for higher amounts by including your property's rental income in the affordability assessment. Properties with rental potential (rooms, cottages, granny flats, etc.) qualify for facilities where tenant rent contributes to monthly repayments, reducing what you pay out of pocket.
What kind of properties can I buy?
Any pre-approved development/property, or a compliant property that generates (or can generate) rental income