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

Rental Deposit Loan

We pay the rental deposit on your behalf and you pay us back in small affordable monthly instalments. Match the loan with our deposit investment product to get interest on the loan from as low as 14%
For Tenants
For Landlords
For Estate Agents

Benefits for Tenants

  • Interest on the loan ranges between 14% and 27% depending on the risk profile of the Tenant and whether the rental deposit is invested in an investment account with GraceNineteen.
  • Ability to pay your rental deposit without stressing your finances.
  • Rental deposit pre-approval certificate to show landlord/agent that you already covered for deposit.
  • You don't have to stay far away from your desired home just because you do not have that upfront rental deposit lumpsum.
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Rental Deposit Investment

Use our Deposit Investment product to invest rental deposits with peace of mind that it is compliant with Rental Housing Act (RHA) regulations.
For Tenants
For Landlords
For Estate Agents
Did you know that the Rental Housing Act (RHA) of South Africa requires all rental deposits to be invested in a separate interest bearing investment account and at any point in time you can ask your landlord for proof of where your deposit is invested and how much interest it has earned?

Benefits for Tenants

  • Rental Deposit Investment accounts at GraceNineteen earn indicative 8.95% for deposits above R10 000 and 8.25% for deposits below R10 000, rates are subject to change with respect to SARB changing the repo rate.
  • Protected against no deposit balance refund.
  • Protected against deposit refund delays as you are supposed to be refunded within 7-14 days of the property restoration, in accordance with the RHA.
  • Protection from unfair deductions on your deposit.
  • Visibility of your deposit balance and interest earned.
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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.

Our Team

Our Story
Chapter 1
Chapter 2
Chapter 3

Chapter 1

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.