What We’re Building


Ceebrook is developing a community-based property finance solution specifically designed for stokvels. We enable groups of 4-12 members to collectively purchase properties that individual members cannot afford independently.

Our Product: 10-Year Community Property Finance

  • Loan Term: 10 years (120 months)

  • Property Values: R800,000 - R1,600,000

  • Two Models: Buy-to-Rent investment or owner-occupation

  • Target: Community groups and stokvels interested in co -ownership of residential properties.

  • Buy to Rent Model: Property purchased as investment generating rental income for debt service and member returns, providing professional management approach and measurable investment returns.

  • Owner-Occupation Model: Property purchased for direct occupation by community group members, requiring different governance and cost-sharing arrangements.

Our Unique Approach

Professional Formalization: We transform informal stokvels into legally protected company structures while maintaining full community control and decision-making.

Collective Assessment: We evaluate stokvels based on collective financial behaviour, social bonds, and group stability - not just individual credit scores.

Sustainable Properties: We encourage the investment in green building features such as solar panels, battery backup, water-saving systems, etc. to reduce the cost of utilities while increasing property value

Why Ceebrook?

  • Purpose-Built for Stokvels: Unlike traditional banks, we understand collective financial discipline

  • African Leadership: Funded by Ellerbrook, with deep local understanding

  • Environmental Focus: Encouraging green building features reduce monthly costs while increasing property value

  • Legal Protection: Professional structures with limited liability and perpetual succession

  • Community Control: You maintain full control of decisions and governance

Current Phase: Research & Pilot Program

We’re conducting comprehensive market research and seeking 5 community groups to participate in our pilot program.

TAKE SURVEY

Pilot Benefits:

  • Professional formalization support

  • Access to specialized financing

  • Property acquisition assistance

  • Ongoing community development resources

Social Impact

Financial Inclusion: Breaking barriers for South Africa's middle-income workforce excluded from traditional property finance

Community Empowerment: Strengthening social bonds through professional governance and collective ownership

Environmental Sustainability: Green building features create cost savings while contributing to environmental goals