COD Bridging Finance

01/09/2026

A little prep before you list can save weeks of delay later. Five things worth sorting early:
1) Compliance certificates - electrical, gas, and beetle (where applicable). They're needed for transfer, so get them booked.
2) Municipal accounts up to date - arrears hold up your rates clearance certificate.
3) Levy / HOA accounts settled if you're in a scheme or estate.
4) Your title deed details and any bond information handy for the conveyancer.
5) A realistic plan for your own timeline - remember proceeds only pay out on registration, often 8-12 weeks later.
Sort these upfront and you'll take a lot of friction out of the process. Know someone about to sell? Share it their way.

For more information on bridging finance, get in touch.

📞 086 100 7670 | 🌐 www.codbf.co.za

25/08/2026

Any agent can get an offer signed. The real skill shows up afterwards, in the quiet weeks between acceptance and registration, when doubts creep in and deals quietly fall apart.
The agents who consistently get to transfer tend to do three things: they set expectations about the timeline upfront, they over-communicate during the wait (a short 'here's where we are' message works wonders), and they spot the pressure points early, a nervous buyer, a delayed certificate, a chain that's wobbling.
Selling the home is step one. Shepherding everyone calmly to registration is what separates a good month from a great one. To every agent doing that unseen work: we see you.

📞 086 100 7670 | 🌐 www.codbf.co.za

11/08/2026

📊 Is now the right time to buy property in South Africa?

With interest rates, affordability, and market trends constantly changing, staying informed has never been more important.

Our latest blog breaks down what South Africa's property market looks like in 2026 and what buyers, sellers, and investors should know before making their next move.

Read it here: https://codbf.co.za/south-africa-interest-rates-property-trends-2026/

Discover how South Africa's interest rates and property trends in 2026 affect sellers. Learn how rates, buyer affordability, pricing, and market conditions influence successful property sales.

04/08/2026

Here's something a lot of sellers only discover too late: even after your property is sold, the proceeds usually only reach you once the transfer registers at the Deeds Office, often 8 to 12 weeks later.

If you need part of that money sooner (a deposit on your next home, a debt to settle, a plan that can't wait), a seller advance gives you early access to the surplus you're already due on registration. No new bank loan, just your own proceeds, sooner.

Wondering if it fits your situation? Send us a message or call 086 100 7670.
🌐 www.codbf.co.za

21/07/2026

The property has been found. An offer has been made and accepted. Everything seems to be on track.
Then the attorneys provide a detailed cost breakdown, and unexpected expenses begin to surface.

Here's what every South African property buyer needs to budget for BEFORE transfer:
▪️ Transfer Duty - paid directly to SARS, calculated on the purchase price (properties above R1,100,000 attract duty)
▪️ Conveyancing Attorney Fees - the transferring attorney's professional fee for registering the property in your name
▪️ Bond Registration Costs - if you're taking out a bond, there's a separate attorney and fee for that registration
▪️ Rates & Levies Clearance - the municipality must confirm no arrears before transfer can proceed

These are not optional. They are due before you get the keys.
Plan for them early, and the process stays smooth.
If you need help covering these upfront costs, COD Bridging Finance has a solution for buyers too.

📞 086 100 7670 | 🌐 www.codbf.co.za

03/07/2026

Bridging finance is a short-term financial tool not a long-term loan.

It's designed to solve a specific problem: you're entitled to funds (from a sale, a bond, or a commission), but those funds aren't available yet.

Bridging fills the gap. Once the underlying transaction completes, the advance is repaid.

It's commonly used in property for:
▪️ Sellers accessing sale proceeds before transfer registers
▪️ Estate agents accessing commission before transfer registers
▪️ Bond holders accessing funds before their bond registers
▪️ Buyers covering transfer costs before their financing is released

If you were wondering what bridging finance actually is and whether it applies to your situation this is a good starting point.

For more information speak to: COD Bridging Finance | 086 100 7670 | www.codbf.co.za

17/06/2026

Thinking of selling? Here are 5 things smart sellers do before signing an offer to purchase.

1. Understand that transfer takes time. Expect 6 to 12 weeks from signature to registration. Your proceeds aren’t available until then, unless you arrange a seller advance.

2. Know your net proceeds upfront. Factor in bond cancellation fees, agent commission, and rates clearance. Get clarity before you plan your next move financially.

3. Don’t rely on the sale to fund your next deposit. If you need to put down a deposit before transfer registers, a seller's advance can bridge that gap without waiting.

4. Build in a cash buffer for the in-between period. Interim accommodation, storage and moving costs. Plan for them.

5. Explore your bridging options early. Seller advances are available once the sale is confirmed and the transfer process has commenced. Don’t wait until you’re under pressure to ask.

COD Bridging Finance | 086 100 7670 | www.codbf.co.za

03/06/2026

Property Buying Tip: When evaluating a property, think about your long-term needs, not just your current situation.
Will the house still work for you in five or ten years? Consider factors like the potential for a home office, space for a growing family, or accessibility as you age.

Additionally, look at the potential for adding value. Is there room for an extension or a cosmetic update that could significantly increase the property's worth? Buying a home with future adaptability in mind is a smart investment strategy.

For more information speak to: COD Bridging Finance | 086 100 7670 | www.codbf.co.za

📞 086 100 7670 | 🌐 www.codbf.co.za

20/05/2026

In South Africa, bridging finance for property sellers is straightforward but knowing the requirements upfront saves you time.

✅ WHAT COD REQUIRES FROM THE CONVEYANCERS:
1. Signed Sale Agreement / Offer to Purchase
2. Proof of finance - bond instruction, guarantees, or proof of funds in trust
3. Bond cancellation figures (if there's an existing bond to cancel)
4. A rates statement from your municipality
5. Homeowners / levy statement (if applicable)

✅ WHEN DOES COD PAY OUT?
Once all material conditions in the sale agreement are met, 100% of the purchase price is secured, and the transferring attorneys have issued an undertaking COD processes your advance, often the same day.
This is property-backed, not income-based.
Questions? We'd love to help.

📞 086 100 7670 | 🌐 www.codbf.co.za

19/05/2026

🏡 Bond approved… but why is registration taking so long?

Many South African property buyers don’t realise there’s a crucial gap between bond approval and registration — and it can affect your timelines, finances, and stress levels.

We break down:
✔️ What happens after approval
✔️ Why delays happen
✔️ How bridging finance can help

Read more here 👉 https://codbf.co.za/understanding-gap-between-bond-approval-and-registration-2/

Your bond is approved. The bank has agreed to lend. On paper, everything is in place. Yet the funds are still out of reach, and the waiting period begins.