Clear Process.
No Surprises.
From the moment you submit your application to the moment a deal is structured — here's exactly what happens, at every step.
From the moment you submit your application to the moment a deal is structured — here's exactly what happens, at every step.
You don't need to have everything figured out before you apply. We work through it together.
Complete our secure online form — it takes about 5 minutes. We'll ask about your property (address, type, estimated value, bond balance), your situation (arrears, urgency, reason for selling), and your preferred outcome. No documents needed at this stage.
Philip and the team review your application personally. We assess the property's equity position, your urgency, and the feasibility of a match. Every application gets a real response — not an automated email.
If we believe a deal is viable, we'll schedule a brief call to discuss your situation in more detail, clarify any information from the form, and explain the structures we think could work. No obligation at this stage.
We look through our active buyer applications to find candidates whose deposit, target location, property type, and price range align with your property and situation. Matching is done manually — it's not an algorithm. We look for real fit.
Once a match is identified, we present a proposed deal structure to both parties — the mechanism (instalment sale, rent-to-buy, or equity partnership), the terms, timeline, and what each party commits to. Both sides review independently before agreeing.
Agreed deals are formalised by a conveyancer or attorney. The relevant agreements are drafted, reviewed, signed, and registered where applicable. Cape Nova Capital facilitates the process but both parties use independent legal representation for the final documentation.
A bond rejection isn't the end. Here's how the path to ownership looks through Cape Nova Capital.
Fill in our secure buyer form — about 5 minutes. We'll ask about your deposit amount, employment status, reason your bond was declined, target property type and location, price range, and timeline. No documents required at this stage.
Go to Buyer Form →We review your deposit amount, affordability relative to your target price range, your situation, and whether we have (or expect to have) sellers that could be a fit. You'll hear from us with a clear response — not silence.
We'll have a brief conversation to understand your situation in more depth — your deposit source, your income, your flexibility on location and structure, and your realistic timeline. This helps us prioritise your matching.
We present you with seller listings from our active pool that match your location preference, property type, and price range. Each property is accompanied by basic details — we don't share seller identities until both parties express mutual interest.
Both buyer and seller are presented with a proposed deal structure. You'll see exactly what you'll pay, when, and what milestones lead to full ownership. Take it to an independent attorney — we encourage it.
Legal agreements are drafted and signed. Where the structure allows, you can occupy the property while working toward full ownership — building equity from the day you move in. No bank needed, from start to finish.
You'll receive an automated confirmation that your application has been received, with your application reference number.
A member of our team will personally respond — either to request a call, flag a potential match, or give you honest feedback on viability.
If we're actively working on a match, you'll receive a progress update within 1–2 weeks of your initial application.
Your application remains active in our system. We notify you the moment a new match candidate comes in that fits your criteria.
Completely free to apply. No obligation. We'll come back to you within 48 hours.