The terms of using this website.

These terms apply to this website. They are not the terms of your loan: your loan agreement sets those out, and it prevails if anything here differs.

Who we are

Kinstead Home Equity (Pty) Ltd, a registered credit provider (NCRCP to be confirmed), with its registered address at [address to be confirmed].

What this website is

This website explains home equity loans and lets you ask us for a personal illustration. It is information, not advice, and not an offer of credit. Any offer depends on a valuation of your home and our checks.

Illustrations

Every figure on this website is an illustration, built from the assumptions shown with it: the rate, the fees, how the amount is sized, and an assumed growth in your home’s value. Your own figures depend on your home, your age and the interest rate at the time. An illustration is not a quotation, and it does not bind us.

Using this website

• Use it lawfully, and do not attempt to disrupt it or access anything you are not entitled to.
• Do not submit false information, or another person’s information without their permission.
• We may change, suspend or withdraw any part of it.

Our content

The words, images and design on this website belong to us or are used with permission. You may print or save a page for your own use, including to show your family or adviser.

Liability

We take care to keep this website accurate, but we do not warrant that it is free of errors. Nothing in these terms limits any right you have under the National Credit Act or the Consumer Protection Act.

Complaints and law

See our complaints process. These terms are governed by South African law. Our privacy notice explains how we treat your information.