A steady source of income and a deposit. You also need to complete the Homeownership Programs 1 and 2

Options include land, one, two, or three-bedroom bungalows, two, three, and four-bedroom duplexes, semi-detached, and detached units.  Homes can be sold as carcass (Just the structure from foundation to roof, no doors or windows), shells ( The carcass, windows, front and back door, ceiling, and one toilet.,) or fully finished.  Houses are located within serviced estates.

Currently, we are launching developments in South Africa, and Nigeria, with plans to expand to Kenya. Other locations will follow. Contact us to find out available cities

Once you have paid in full, ownership documents are transferred to your name.

At the initial purchase, you get a certified rent-to-own agreement of purchase . Once payment is complete you get  full title deeds. 

Yes, you will need to pay a deposit ranging between 10% to 30%, depending on what you qualify for.

Paying off the property will take a duration of 3 to 20 years, depending on the deal you qualify for. You can Fastrack payments if you want to

Yes. You can complete your payments in a shorter duration at no extra costs. 

If you qualify for a house, you can move in immediately after your deposit is paid and the purchase contract is signed. If you qualify for a piece of land, you can discuss with us about renting a temporary modular house from us to live on the land while paying for the land. 

Yes there might be fees such as bank fees, legal fees and application fees. All fees will be clearly spelt out before you start, but don't worry, fees and costs are kept as low as possible.

Payments will be monthly, quarterly, or yearly, as the case may be. Payments will be made to the partner bank via electronic transfers, or deducted by automatic debits

Payments are calculated by adding the rental cost, plus the purchase cost, plus interest over the duration of time you will pay.

We sincerely hope you do not miss a payment, but in the unlikely event this happens, missing a payment means eviction. if you run into difficulties, notify us before a payment is missed, then arrangements can be made for you to sell or transfer ownership and your equity will be refunded. ( See how do I create wealth below for more on your equity)

Yes, insurance cover is included in the contract and available to cover you for missed payments over a period up to six months

Yes, it is your property. You can sell the unit to someone else after an agreed period of time. There are terms around selling.  All you need to do is contact the bank or GrowMyHome to sell according to the agreed terms.

Yes, transfer of ownership is possible within agreed terms and conditions. 

The portion you pay for the purchase of the property builds up as equity. As time goes on, this amount builds up until it becomes an asset to you. See more on equity below.

Equity is the portion of the property that you own. When you are buying a property and paying by instalments, you are growing your equity in bits. Each payment you make is equivalent to your equity.

As the years go by, you make more and more payments, and your equity grows until eventually you own the house 100%. At this time, your equity in the house is 100%.

The good thing is that equity is an asset. The value of your equity increases with inflation. As the value of the house increases, so does your equity.

Another good thing is that you can always sell the house and recover your equity. If you sell, the rental portion will be deducted, and the equity portion will be paid back to you. So this means if you have paid for six years and then you sell, the portion that was for the rent is deducted because you have used it up by living in the house. But the portion for equity is paid to you.