Mortgage

& Notarial bonds

We help you put your assets to work, safely and securely. Whether you’re lending, borrowing or structuring a transaction, our team ensures your rights are protected from day one.

Security instruments like mortgage and notarial bonds aren’t just legal formalities, they are the foundation of financial certainty in both personal and commercial transactions.

Our firm offers specialised services in the negotiating, drafting, registration, and cancellation of security instruments over immovable property. 

What is a Security Instrument?

A security instrument gives a creditor the legal right to enforce repayment, often by securing immovable property or real rights.

If the debtor defaults, you’re protected.

These instruments are essential for securing financial obligations in both private and commercial contexts and are often central to structured finance, development funding, or private lending arrangements.

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We assist a wide range of clients, including private lenders, developers, financiers, and individual property owners, with the creation and registration of the following security instruments:

Legal Blog

Mortgage

Protect your Property. Empower your investment.

Mortgage bonds are registered to secure loans against immovable property. Whether you’re a financial institution, private lender or individual, we draft and register your mortgage bond with total legal precision.

Mortgage bonds are a primary form of property security. Our firm attends to both institutional and private mortgage bond registrations and ensures that all legal requirements are met. We also draft the underlying loan agreements for private bonds, ensuring the rights and obligations of both lender and borrower are clearly defined and enforceable.

We make sure your money is an active working mechanism, which provides passive income, while it remains protected. 

Notarial Bonds

Notarial bonds are registered over movable property to secure a debt or obligation. While the borrower retains possession, the bond grants the lender a real right of security that can be enforced if the borrower defaults.

Our firm drafts and registers general and special notarial bonds before the Notary Public, ensuring full compliance with the Security by Means of Movable Property Act, as well as the Deeds Registries Act.

Where private lenders are involved, we also prepare tailored loan agreements aligned with the commercial intention of the parties and the required security structures.

We offer:

  • Registration of general and special notarial bonds;
  • Customised loan agreements for private and institutional lenders;
  • Structuring and enforcement advice for secured lending using movable assets;
  • Alignment with SARS and NCA requirements where applicable.
Co-Habitation Agreements
Commercial

Long-Term Leases

Where leases extend beyond 10 years, or are for the natural life of the lessee, registration is essential to protect the lease against third-party claims and ensure legal certainty.

From agricultural leases to solar farms and industrial tenancies, our team prepares and registers long-term leases directly on the title deed at the Deeds Office.

We provide:

  • End-to-end legal structuring for long-term lease transactions;
  • Advice on compliance with the Deeds Registries Act, relevant legislation, and municipal requirements;
  • Registration of lease agreements to protect rights and enhance enforceability.

Why Work With Us

Whether you’re lending, borrowing, or leveraging property for business, estate, or development purposes, we ensure that your security rights are validly created, properly recorded, and legally sound.

Why Work With Us

Whether you're lending, borrowing, or leveraging property for business, estate, or development purposes, we ensure that your security rights are validly created, properly recorded, and legally sound.