The Personal Trainer programme repairs your credit record and score over 6 to 24 months, then walks you into the finance you were turned away from. No dead ends.
Four quick answers. Nothing is stored; this is a rough guide, and your bureau read sets the real plan.
You do the training. We set the plan, watch the record, and open the door when the numbers are right.
Complete the sign-up form. This is the gate for everything that follows, including any legal work on your record.
Pull your free Experian report on Up and send it with your statements and payslips. Your trainer reads it and sets your window.
Clear negatives, settle what needs settling, keep every account current. Your trainer tracks the record with you each month.
When the record supports it, we submit your application, or route you into Rent2Buy while the score catches up.
Move the sliders. This is an indication only; the bank's affordability rules and rate at the time apply.
Because a subsidy is a deposit, not a home. Three things only your credit record can do:
Very few homes cost only the subsidy. The rest is a bond or an instalment sale, and that is decided on your record.
A subsidy spent on a home you then lose to arrears is the worst outcome of all. Training builds the habits that keep the asset yours.
The cleaner the record, the better the rate. On a 20-year bond, a point or two of interest is worth more than the subsidy itself.
Training gets you to the same summit either way. Your trainer tells you which route your record supports as it improves.
Once the negatives are cleared and the score holds, we originate your home loan with the banks and claim any First Home Finance subsidy you qualify for.
Move into the home now under an instalment sale agreement while you keep training. Ownership transfers when the bond is approved.
Both routes start with the same sign-up. The programme is what makes either one possible.
The plan only works if the fee is part of the plan. That is why we ask you to write it into your monthly budget on day one.
| Rent | R 5 500 |
| Groceries and transport | R 4 200 |
| Existing accounts (kept current) | R 2 500 |
| Personal Trainer | R 250 |
| Settlement plan for arrears | R 1 500 |
| Savings towards costs and deposit | R 1 000 |
Your trainer builds your own version of this table with you in the first month.
| First Home Finance application through flisp.co.za | R500 registration, R750 on submission, R1 250 on approval |
| Personal Trainer, same months (6–24) | R250 / month |
| Finance for the balance, bond or instalment sale | No origination charge |
| Subsidy applied to the purchase | Lower balance, lower instalment |
Credit providers answer their own customers immediately. Third-party requests take weeks. That is why the document collection sits with you.
No. Your bureau read sets the window, and it can be as short as six months if your listings are minor and your accounts are current. Twenty-four months is the outer edge, not the default.
Not by itself. Rent and instalment sale payments are not reported to the credit bureaux. Your score moves when negatives are cleared and your reported accounts, such as store cards, cellphone contracts and loans, are paid on time. That is exactly what the training targets.
Yes, for a different reason than before. First Home Finance is delinked from loan approval, so you can apply for it now. But the subsidy covers part of the price. Financing the rest, holding onto the home, and getting a good rate all depend on your credit record. That is what the training is for.
Sign-up is the gate. The legal work on prescribed debt and listings only makes sense inside a plan that keeps the record clean afterwards, so the attorneys work with clients on the programme.
Yes. Your trainer maps the path to a clearance certificate and what happens to your record after it, and plans the finance application around that date.
A pre-qualification is not a waiting-list placement. Existing applications are worked through first. Use the interim to gather your documents so you do not lose ground when your file is placed.
The programme is month to month. Cancel by messaging your trainer; there is no lock-in.
Sign up, pull your Experian report, and your trainer will set your window. If you would rather talk first, the team is on WhatsApp.