SUPPORT & COVER
Your finance, upgraded
Qualify smarter, cushion shortfalls, and manage rentals with ease.
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
Bond Management Support
Through our trusted partner network we provide tools and support to help manage your rentals
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.
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.
Rent collected counts toward your instalment.
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
Built-in finance management support.
You won’t carry the full instalment while you’re between tenants or when a tenant doesn't pay.
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 select Indlu Living
over traditional lenders?
Process | Traditional Banks | Indlu Living |
|---|---|---|
Rental income consideration | 0-70% of existing rent only | Up to 100%, including potential rent |
When they assess it | After 12+ months of history | Before you buy the property |
Rental management | You're on your own | Platform and support provided |
Tenant default protection | 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 a few documents (like payslips and bank statements) so we can do the standard legal checks and see if you qualify for this type of home loan.
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 property or a compliant property already producing or with the potential of producing rental income.