We are Your Financial Hand to Your Right Home

About Us

GraceNineteen offers investments and lending solutions in the residential rental property market in South Africa with key focus on rental deposit loans and rental deposit investments.

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Products and Services
Products and Services

Rental Deposit Loan

Get our budget friendly Rental Deposit Loan to secure your Lease with no stress on your finances.

The financial support is in a form of a loan that we disburse directly to the tenant’s deposit investment account.

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Rental Deposit Investment

Our Deposit Investment product offers custodial services for rental deposits where we optimally invest rental deposits on behalf of both the landlord and tenant.

As a tenant, you are protected against delayed rental deposit returns, no deposit returns, and inadequate interest earned on your rental deposit.

As a landlord, you do not have to do the admin of opening segregated deposit accounts for your tenants as required by the Rental Housing Act (RHA), our Deposit Investment Product takes care of that.

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Future Home Buyer

Our Future Home Buyer product is for individuals looking to save towards the buying of their first home, or an investment property.

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Frequently Asked Questions

What is GraceNineteen's aim?

Our aim is to provide relevant financial products to assist tenants to begin their property rental journey and to further support them in their journey of becoming first time homeowners.

For landlords, we aim to support them with our financial products to add to their efficiency and compliance in the management of their rental properties.

What does each of GraceNineteen's products do?

Rental Deposit Investment Product - Ensures that rental deposits are invested and managed as per the Rental Housing Act (RHA). Tenants are protected against no deposit refunds, delayed deposit refunds, inadequate interest earned on rental deposits and unfair deductions on rental deposits. This product also helps tenants to start thinking of their rental deposits as part of their investment portfolio.

Landlords do not have to worry about the admin of opening and managing tenant’s rental deposit investment accounts as prescribed by the Rental Housing Act (RHA), our Deposit Investment Product takes care of that.

Rental Deposit Lending Product - Provides financial support to assist tenants with deposit shortfalls. This product links to our deposit investment product so that a tenant is still protected even when they fund their rental deposit with a loan.

Future Home Buyer Product – Enables individuals to save towards the buying of their first home, or an investment property. It helps people flag the vision of buying their own homes very early in their financial journey.

Where does GraceNineteen invest the rental deposits?

All rental deposits with GraceNineteen are invested with Investec Bank.

What are the GraceNineteen fees?

Once-off Onboarding fee = R63, paid upfront by the tenant.
Rental Deposit Investment admin fee = 1.5% (exclusive of VAT) paid yearly by the tenant.
Rental Deposit Lending fee = TBC
Future Home Buyer fee = TBC

What documents are required to activate the Rental Deposit Investment Product?

Proof of identity – does not need to be certified for S.A citizens and can be uploaded as a picture. Must be certified for foreign nationals.

Proof of address – not older than 3 months. If it is a lease agreement, it should not be older than 1 year. Must be certified for foreign nationals.

How do I activate a Deposit Investment Product?

Go to app.gracenineteen.com to activate your deposit investment product. Should you encounter any issues, please reach out to our support team on support@gracenineteen.com. You can also click here to watch a tutorial video.

About GraceNineteen

Our Founders

The founding team has extensive finance and business building experience and an enduring passion for making a positive social impact through business initiatives.

About GraceNineteen

Our Story

The story of GraceNineteen has its genesis in the year 2019. The name was birthed by the founders and has a layered and rich meaning. Grace is the name of Ndaedzo's daughter. It speaks to the gift of opportunity, time, and chance that God gives us all. Integrity, support, and generosity in abundance that as a brand, the founders aspire to emulate in every interaction they have with customers.

About GraceNineteen

2019 was a watershed year for Ndaedzo - a year where his faith, resilience and tenacity in business found its reward. Pitching his startup idea to prominent figures in business, and despite experiencing numerous hurdles and setbacks, he made a resolute decision to set the course for the birth of GraceNineteen.

The number for grace in bible numerology is five; and in Romans 5:19 of the scriptures it speaks of the power of one man's (Jesus) decision to live in obedience and righteousness making many righteous. At GraceNineteen the founders believe in the power of their decisions as a company to positively impact many.

About GraceNineteen

As mavens in the property market, GraceNineteen is committed to lend its financial expertise to its customers, an experience that equips and supports them in enabling them realise their ambitions and dreams, whilst offering dignity and stability for their futures. It is the founders' desire that yesterday's NO's become today's YES for clients that have previously disempowered and unsupported.

As a brand GraceNineteen provides its customers with an invitation to come up higher, to elevate and to enter, occupy and experience new levels and spaces never imagined.