Home buyer, get pre-approved for a home loan today
Whether you're looking to buy or ready to put in an offer, we recommend you get pre-approved. Do it yourself with our online Bond Indicator tool or get expertly verified by an expert before submitting your offer.
Homeowner, do you need a loan?
Get a loan...(even if you're blacklisted or under debt review)!
Alternatively Whatsapp the word "Finance" to 072 960 7711
HOW TO GET FINANCE EVEN IF YOU're BLACKLISTED OR UNDER DEBT REVIEW
If the banks have said no because of arrears, judgments, or debt review, you still have options. Learn how South Africans in your exact situation are securing vehicle, personal, and home finance legally and safely.
We’ll show you exactly what lenders look for, which documents you need, and how to structure your application so you have the best possible chance of approval — without risking your current arrangements.
One application. All the banks. Better rates.
Let's continue
Affordability check
Completed – R15,000/month budget
Get pre-qualified
Complete assessment with credit check and certificate
Apply for a home loan
Found a property? Start your application
10 clients secured better-than-prime rates
≈ R1.41 million in interest savings compared with Prime
One application. Up to 8 lenders.
We compare home loan offers from South Africa's leading banks and lenders to help you secure a competitive rate.
Expert guidance when you need it
Finance Consultant
Virtual Finance Team
Move from an estimate to a more complete assessment with help from our team. We can review your affordability, check your credit profile with your consent, and guide you through.
What buyers say
Many of our clients come through referrals. Here's why.
Know where you stand before you apply
Whether you're checking your credit profile or getting pre-qualified, Virtual Finance helps you take the next step with more confidence.
This is an illustrative guide only. Credit bureaus and banks use different scoring models.
Understand your credit profile
Your credit score is only one part of a home loan application. Banks also look at your affordability, deposit, debt, income stability and the property being financed.
Fair profile
You may have a fair chance of approval, but your credit profile, affordability, deposit, and existing debt still matter. Improving your profile could help strengthen your application.
Search by budget. Buy with more confidence.
Complete your Buyer Readiness self-service assessment in 60 seconds. When you view properties, you will immediately be able to see what is within your reach.
Start my Buyer Readiness check
Property Decision Engine
More than just calculators. Get smart insights to plan every step of your home buying journey.
Bond Repayment
Adjust the sliders below and see your results update instantly.
Affordability Calculator
See what price range fits your current income and existing financial commitments.
Bond & Transfer Costs
Calculate the hidden upfront costs of buying a property in South Africa.
Ready to take the next step?
Whether you are just checking affordability or ready to apply, Virtual Finance can help you move forward with clarity.
Get Started with Virtual FinanceWho is Virtual Finance?
Homeowners, Talk To Us If You Need To Access Credit - unlock the equity in your home to settle your debt.
Virtualfinance.co.za (Powered By Virtual Realty) is not your normal real estate agency who acts as an aggregator for home loans with the normal banks.
Yes we do that, we apply to ten different financiers, if you're a buyer, you can apply here for a pre-qualification certificate and home loan, but we also have other exciting products to offer.
We will 'shop-around' for great deals on products like personal loans, home loans, car loans, debt consolidation loans, insurance, and many other financial products.
By being selective of who we work with it allows us to carefully compare different providers to get you a good price and the most suitable product for you. We have providers who offer niche products which are tailor made to your unique situation. One such product is our loans to homeowners who are under debt review or blacklisted.
Best of all, it's Free to Apply so you have nothing to lose. Simply complete the questionnaire and we will give you your options.
Yes, you read correctly, even Blacklisted and Under Debt Review homeowners are Welcome to apply.
Are you feeling overwhelmed by debt? Out of options with nowhere else to turn? We can use the value in your home to put you back on the road to a stable financial future.
We help you get out of debt and debt review.
We unlock the value in your home to get you out of debt and debt review. We'll also give you access to credit - at the lowest interest rates - when no one else will.
We help you leave your judgements behind.
Are you in arrears with your accounts? Got judgements against you? We can help you get out of arrears and get rid of judgements on your credit profile by unlocking the value in your home.
With our help, you can:
Get out of debt review
Settle accounts in arrears
Have judgements removed
Cover education costs
Pay back family and friends
What is home equity?
When we refer to the value in your home, we're talking about something called home equity — this is the difference between what you owe on your bond and what your home is currently worth. At Virtual Finance we can help you access the equity in your home to get you out of debt.
Estimated property value
R1 Million
Outstanding bond amount
R200 000
Home equity
R800 000
Virtual Realty South Africa
South African based real estate agency helping buyers and tenants across the country find, view and secure properties with confidence.
Areas served: Cape Town, Johannesburg North, Sandton, Umhlanga, Ballito, Pretoria East, Stellenbosch, Somerset West, George, Gqeberha and many more
Contact
Tel: +27 21 207 2354
Cell: +27 72 742 6963
Email: [email protected]
45 North Oaks Avenue, Cape Town, South Africa
Compliance
Virtual Realty is a registered Property Practitioner under the Property Practitioners Regulatory Authority (PPRA) (Fidelity Fund Certificate Number 202615005510000).
Fidelity Fund Certificate details, PAIA manual, POPIA and FICA policies available on request.
© 2026 Virtual Realty South Africa. All rights reserved.
