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How it all works

RTO Modus Operandi


The RTO scheme runs in batches of selected apartment types. The apartment types consists of four bedroom apartments, four bedroom semi-detached Duplex units and three bedroom bungalows. Each batch consists of a single type of apartment and are located within the same development.

and then

At the beginning of each batch, applications are opened and interested homeowners apply online. All candidates are screened using strict underwriting criteria including a credit check. The goal of the screening is to ensure that all applicants are creditworthy. Where the number of qualified subscribers exceed the number of available units within a batch, the allocation is done on a first come first serve basis with a waiting list.


Each successful applicant receives an offer letter and is expected to pay the RTO commitment fee within 2 weeks of receipt. Where the fee is not received, the slot is automatically allotted to the next successful applicant. The fee can be paid in two instalments of 50% upon acceptance and balance within 3 months.


The units in each batch are completed within 6-9 months and handed over. Payment of rent commences immediately and can be paid on a monthly/quarterly basis or where agreed, on a half yearly basis.


The Rent-To-Own Scheme is a hybrid of mortgage and other home ownership options without the disadvantages of both. The program is professionally managed to deliver value for homeowners and investor.


The RTO scheme is managed in partnership with a multifunctional team of specialist across finance, construction, insurance and risk management.

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