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Enabling a growing number of people in Africa
to bridge the housing affordability gap
and step on the Home Ownership ladder

About Us

Since 2008, we at Chartwell have been dedicated to enabling a growing number of people in Africa to bridge the affordability gap and step onto the Home Ownership ladder.

Driven by our desire to assist as many people as possible to become Home Owners and avoid the pitfalls associated with renting a home, we partnered with one of the largest global real estate investors to achieve our vision.

Chartwell has innovated home loan products that reduce the cost of Home Ownership and ensure that aspirant and deserving Home Owners are afforded every opportunity of making this important step to owning a home. Our application process is personal, easy and friendly. It includes helpful and informative education programmes designed to assist our Home Owners’ budget wisely and better understand their financial commitments.

Chartwell is a member of the South African Credit and Risk Reporting Association (Previously known as the Credit Providers Association) and our Emerging Market Home Loan Fund is registered with the National Credit regulator.

Chartwell provides the following services:

Employer assisted housing

Our team has the experience and expertise to help employers design and implement employee homeownership schemes that are financially and socially sustainable and offer maximum benefits to both employer and employee. We can also help structure and raise the optimal mix of third-party funding to help employers provide home loans to their employees.


Chartwell’s experienced project finance team can assist you in the development of comprehensive feasibility studies and the raising of the optimal mix of funding for your project. This includes the raising of equity finance, to allow the project to progress from inception to the roll-out of the development, and take-out funding to ensure your project’s ultimate success. Chartwell’s expertise also extends to the raising of infrastructure finance, which includes the structuring of public-private partnerships with local and national governments.

Online borrower education

At Chartwell Academy, we specialise in the design and delivery of training programmes that do not just improve learners’ understanding but emphasise the practical application of what they are being taught. We offer a number of innovative off-the-shelf e-learning courses on financial literacy and homeowner education, but we can also work with you to develop customised learning materials.

Our Values

Path-finding Passion

We are passionately committed to making a real and substantial contribution to home ownership by enabling a growing number of our deserving customers step onto the home ownership ladder. We strive to maintain our position at the forefront of product and service innovation in new and existing markets, so that we meet the needs of our individual and corporate customers throughout the residential development and finance value chain.

Long-term Relationships

We have a track record of successfully partnering with developers, contractors, employer groups, realtors, individual customers and other players in the housing development and financing value chain. We carefully invest considerable time and resources in building
enduring relationships with our customers, our partners and our service providers. Our approach is supported by user friendly systems and processes, including online education programmes, which are designed to be customer centric; ensuring aspirant home owners are carefully guided and informed in applying for and making their decisions to buy their new homes.

Value-added Service

We aim to deliver products and services with a unique value proposition and approach all opportunities with integrity and the highest degree of professionalism.

Our Approach

At Chartwell we believe in the power of disruptive innovation to shift the traditional boundaries of housing finance and development and to deliver cutting-edge solutions. Through disruptive innovation we seek to introduce old products to new markets and new products to old markets, to open up housing market to new segments of the population. Please refer to the work of Clayton Christensen at the Harvard Business School to read more about disruptive innovation.

Our Team

Michael is the Chief Executive of Chartwell. During his 35-year career, Michael has acquired extensive...
Gregory is an Executive Director at Chartwell. Gregory has significant investment banking experience in...
Duncan is Chartwell’s Financial Director and is involved in overseeing Chartwell’s credit systems. He served his articles...
Matthew is involved in the areas of project finance and structured housing finance. Matthew served his articles with KPMG Johannesburg...
Paul is an Executive Director at Chartwell. Paul’s experience in the affordable housing sector in South Africa dates back over...
Mustapha is the Project Accountant involved in the financial and tax administration of property specific trading companies…
Iris looks after Chartwell’s credit risk management and credit compliance. Iris has a collective 17 years experience in the credit...
Louise is involved in the areas of project finance and structured housing finance. Louise spent four years working in...
Cheryl is Chartwell’s appointed Group Compliance Officer and Company Secretary. Cheryl’s experience in the...
Gizelle started with Chartwell in 2017. She is currently doing her CIMA...

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Take your first step in owning your new home

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