HabiVest Application Portal

HabiVest desk

Manage applications, reviews, and active deal work

Total applications 0

Saved records in the local MVP store.

Review queue 0

Applications needing consultant, document, or credit action.

Build and funding 0

Deals already in contractor, legal, or milestone work.

Support alerts 0

RentBook, repayment, or customer-success follow-ups.

Application queue

No record saved yet

Application	Stage	Outcome	Next action	Priority
No applications saved yet.

Application detail

Applicant: -
Requested finance: -
Stage: -
Outcome: -
Next action: -
Documents: -
Contractor: -

Risk and reason tags

Approval reason pack

Select a saved application to view the reason pack.

Credit committee decision

Decision Approved amount Selected term Customer contribution Repayment option Decided by Required conditions Override or restructure reason Committee notes

Latest activity

Front door

Check if the project fits HabiVest

Own a titled, unbonded property? HabiVest can help finance backyard rental builds, completions, and upgrades from R50 000 to R150 000.

Minimum details and data consent

Applicant name Mobile number National ID Email address Preferred communication Referral source

Customer consents to affordability, credit, document, property, location, and design-readiness checks.

This consent sits at the front door so HabiVest can later pull Experian, bank-statement, property, location, and design data only after the customer has agreed.

What can be pre-filled after consent

Credit bureau Debts, arrears, judgments, defaults, score band, repayment behaviour, and contact data where available.

Bank statement check Verified income, recurring expenses, account activity, and affordability evidence.

Property and location Municipality, suburb, GPS position, ownership checks, and service-area fit.

Project type Do you own the property? Do you have the title deed? Is the property bonded? Property address Local address suggestions active Municipality Auto-populates from the selected address when available Requested finance Monthly verified income Other monthly income Household expenses Existing monthly debt Current monthly rent Expected new monthly rent New or upgraded units Post-project property value Approximate usable yard size Development goal

Serious arrears, judgment, or default Property in HabiVest service area Site appears suitable for rental units

Design option starter

Upload yard photos later; for now HabiVest can generate repository-style options from the project details.

Yard and property photos No photos selected yet Target unit mix Build priority

Fit outcome Not assessed

Run the fit check before asking for documents.

Loan range R50 000 - R150 000

The MVP only supports small-ticket backyard rental finance.

Project finance rule No cash payout

Funds are paid to suppliers and contractors through controlled milestones.

Municipal programme Not checked

Cape Town LPS/ARF support will appear here when the address matches a target area.

Three basics

Collect the minimum pack for a conditional answer

Document checklist

ID copy Identity and application match

Title deed Ownership and property security check

3 months bank statements Income, expenses, and affordability

Pre-filled data to confirm

Applicant details Name, ID, contact details, address history, and bureau match confidence.

Credit position Total instalments, open accounts, arrears status, judgments, defaults, and debt stress.

Affordability evidence Income, recurring debit orders, expenses, and bank-statement verification results.

Document pack 0 of 3

Upload the three basics before conditional assessment.

Consent Not captured

Consent is required before HabiVest can assess the application.

Application status Draft

Complete the basics to unlock qualification and project viability review.

Conditional answer

Assess affordability, rental viability, and repayment options

Customer-facing outcome Not run

Run assessment after the basic document pack is ready.

Current affordability -

Affordability is anchored on current verified income.

Rental viability -

Projected rent supports viability and term optimisation.

Repayment options

Run assessment Repayment choices will appear here.

Project setup

Select contractor and lock the build plan

Quote summary

Selected contractor: Not selected
Materials: -
Labour: -
Project setup status: Pending

Default milestone plan

Bond registration

Manage legal pack and final conditions

Legal checklist

Customer message

Because HabiVest uses a mortgage bond, funds can only be released after registration and condition clearance.

Legal partner: Mock conveyancer
Bond status: Legal pack started
First payment readiness: Blocked until registration

Controlled disbursement

Pay suppliers and contractors by milestone

No borrower cash payout. Materials are paid to suppliers. Contractors are paid after HabiVest inspection.

Current milestone Material order

Supplier quote and payment details are ready for review.

Remaining project budget -

Budget reduces as mocked milestone payments are released.

Inspection status Pending

Borrower feedback is captured, but HV approval controls release.

Completion to rent

Confirm rental readiness and start RentBook

Rental readiness checklist

RentBook setup

Units created: 0
Expected rent: -
Tenant status: Not captured
Repayment readiness: Pending rent activation

Snag list

Item	Responsible	Status

Post-funding

Track rental performance and support growth

Account health On track

Rent and repayment records look healthy.

Rent collection 94%

Mock RentBook collection rate for the active rental units.

Repeat growth Not yet

Strong repayment and rental records can unlock future finance discussions.

Early warning flags

Staff support queue

Application	Stage	Reason	Status

Discover

Manage applications, reviews, and active deal work

Application queue

Check if the project fits HabiVest

Minimum details and data consent

What can be pre-filled after consent

Design option starter

Collect the minimum pack for a conditional answer

Document checklist

Pre-filled data to confirm

Assess affordability, rental viability, and repayment options

Repayment options

Internal reason codes

Select contractor and lock the build plan

Own contractor submission

Quote summary

Default milestone plan

Manage legal pack and final conditions

Legal checklist

Customer message

Pay suppliers and contractors by milestone

Confirm rental readiness and start RentBook

Rental readiness checklist

RentBook setup

Snag list

Track rental performance and support growth

Early warning flags

Staff support queue