Chris Loker
Financier
Strategist, consultant and entrepreneur. Founded Water Financial in 2010.
Check us
A South African lender for homeowners and the families who help them decide.
Kinstead Home Equity provides home equity loans, secured against the home and typically over an eight-year term, to homeowners typically aged 65 and over.
We are a registered credit provider, backed by institutional funders and run by a team with decades of experience in South African lending.
How we work
Plain, unhurried and open
Releasing the value in your home is a decision you make with the people close to you. Our process is technology-led and transparent, and a person is with you at every step.
Every cost, before you sign
Every cost is shown to you, in rand, before you sign anything. Interest is added to the balance until the loan is repaid, and we say so plainly.
Your family is welcome
Family is welcome at every step. With your permission, a son, a daughter or anyone you trust can join every conversation.
Take the time you need
We encourage independent advice. You remain the owner and continue to live in your home during the term.
Our people
The people behind Kinstead Home Equity
We are backed by institutional funders and an experienced board. Our board, executives and funders are named here, so you know exactly who you are dealing with.
Our board and executives
[roles at Kinstead Home Equity to be confirmed]
Martin Goodman
Property Pro
Risk, operations and entrepreneur.
Mike Freedman
Purpose Pilot
Marketing, brand and research.
Gidon Novick
Business Creator
Airline entrepreneur, Afro-optimist and digital innovator.
Our funders
[funder name]
[a line about the funder]
[funder name]
[a line about the funder]
Our details
Everything you, your family or your adviser can check
Our registration
Kinstead Home Equity (Pty) Ltd is a registered credit provider.
Company registration number [to be confirmed]. Registered credit provider NCRCP [to be confirmed].
You can confirm our registration on the National Credit Regulator’s website.
Every fee, in rand
Our pricing, with every fee in rand, will be published here. [pricing page]
A worked illustration
See the balance and the home’s value at the end of the term, and after it, in an illustration for your home.
How to complain
Our complaints process, set out in plain words. [complaints process]
Your information
We share your information with your family only after you have given your recorded consent. [privacy notice]
Independent advice
We encourage you to take independent advice before you decide. Your family is welcome to join you.
Next step
Ask us for your illustration
A personal illustration on paper, with no obligation and time to consider it with your family.