COD Bridging Finance

09/10/2026

Whether you're buying, selling, or looking for your next property investment, our latest blog shares useful insights for navigating the property market and connecting with estate agents.

🔑 Discover more and explore the opportunities available!

👉 Read our blog here:

Discover five real-world property deals that nearly fell through and how estate agents in South Africa saved them. Learn practical solutions for bridging finance, delayed bonds, transfer chains and successful property sales.

06/10/2026

THE SITUATION: An estate agent had closed a solid deal, but the commission would only pay out on registration, weeks after month-end, when salaries, marketing and running costs were all due.

THE SOLUTION: A commission advance. Approved agents can access up to 80% of the net commission due to them now, rather than waiting for the Deeds Office calendar to catch up.

THE OUTCOME: The agent covered month-end comfortably, kept marketing the next listings, and the advance was settled when the transfer registered. Income earned became income available.

Commission tied up in a pending transfer? Let's talk about getting you approved.
Chat to us: 086 100 7670 | www.codbf.co.za

22/09/2026

THE SITUATION: A homeowner had sold successfully and found their next place, but the deposit on the new home was due weeks before their sale would register at the Deeds Office. Their equity was real, just locked up until transfer.

THE SOLUTION: A seller advance. Because it's an early, discounted payment against the surplus proceeds they were already due on registration, not a new loan, it could be arranged quickly against the signed sale.

THE OUTCOME: The deposit was paid on time, the new purchase went ahead, and the advance was settled directly from the proceeds when transfer registered. No chain collapse, no missed opportunity.

Sound familiar? If your proceeds are tied up in a pending transfer, a seller advance may bridge the gap. Chat to us: 086 100 7670 | www.codbf.co.za

15/09/2026

Our latest blog breaks down the property transfer timeline, giving sellers and property professionals a clearer understanding of what happens between accepting an offer and receiving the proceeds of the sale.

👉 Read the full article: https://codbf.co.za/property-transfer-timeline/

Understanding the timeline can help you plan your finances, manage expectations and prepare for the waiting period.

Learn how the property transfer timeline works in South Africa. Discover what happens after accepting an offer, why registration takes 8–12 weeks, and how bridging finance can help during the waiting period.

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