Ideally, refinancing/remortgaging a property with sufficient equity is the only route for you to consolidate R2 million over that length of time, given your budgetary constraints.
It would be the most viable solution too as the rate on a mortgage would be far more competitive than an equivalent unsecured or bridging facility.
Additionally, according to the National Credit Act, the maximum unsecured facility permissible is R150 000. However, I hear Nedbank, FNB and Capitec offer R200 000 credit cards and personal loans for debt consolidation.
As such, a specialist product would need to be structured in order to accommodate your needs.
This would only be possible by contacting one of the private banking initiations or specialist lenders, who would in any case require immovable property or other tangible assets as collateral for the advance.
The only mainstream option I am aware of is Standard Bank credit customer assist. However, you would need to bank with and hold SBSA debt in order for them to consider.
However, RMB and Investec, who would look at managing your entire asset and debt portfolio, may be able to structure something specifically for you.
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