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Need A Bond or A Pre-Approval?

Get a pre-approval online and see how much you will qualify for - it will take you under 2 minutes to apply

Compare multiple banks in South Africa. Our expert bond originators will use their cutting edge negotiation skills to get you the best deal so you will pay less.
100% Free service. We get paid by the banks if we get your application approved so we will make sure we do everything in our power to get you your bond.
Proven success rate. We have been in the business for 11 years so we know how to motivate your application.

We work with all the leading banks to secure you a home loan

Why Use Us?

Access to multiple banks and lenders

We compare offers and negotiate better rates on your behalf.

Fast, stress-free application

Skip the paperwork hassle — our team handles the entire process.

Personalized bond solutions

Your financial situation is unique, so we tailor options to fit your needs.

Expert guidance from start to finish

From pre-qualification to approval, we walk with you every steo.

Who Can Apply?

Individuals

Single applicants purchasing, refinancing, or building a home based on their personal income and credit profile.

Individuals

Single applicants purchasing, refinancing, or building a home based on their personal income and credit profile.

Individuals

Single applicants purchasing, refinancing, or building a home based on their personal income and credit profile.

Qualify Me

Get an accurate affordability check to qualify for a home loan

Refinance

Get money from your bond for home improvements or personal use

Buy a home

First-time buyer? Apply online to get a 50%* discount on your bond registration cost. *T&Cs apply.

Documents you will need

Read more about buying a home

Hidden Costs That Surprise First-Time Home Buyers
Your Bond Has Been Registered – What Next?
Five Insurances Every Household Should Have

What to expect when applying for a Home Loan

1

Submit Application

First-time buyer? Apply online to get a 50%* discount on your bond registration cost. *T&Cs apply.

2

Affordability Check

We’ll look at your affordability to see if you’ll be able to cover the monthly repayments on the loan amount you need.

3

Property Assessment

We’ll conduct an assessment to make sure that the property value is sufficient as security for the loan you need.

4

Loan Offer

We review your eligibility, income, and property details to provide a clear home loan offer with terms and interest rate.

Home Loan Application FAQs

What types of home loans are available?

We offer a range of home loans including purchase, refinance, and construction loans to suit your financial needs and goals.

How do I qualify for a home loan?

Eligibility is based on your income, credit history, employment stability, and the property’s value. Joint applicants and legal entities have additional requirements.

How long does the approval process take?

Approval usually takes between 5–15 business days, depending on the completeness of your documents and the type of loan applied for.

Can I repay my home loan early?

Yes, early repayment is allowed. Some loans may have prepayment conditions or fees, so it’s best to check your loan agreement.

Plan ahead Use our home loan calculators to see what you could afford

Use this simple bond affordability calculator to find out how much you can afford when applying for a home loan.

Monthly Repayment

GET PRE-APPROVED

Maximum Loan Available

Interest at 9.75% for 20 years

Note: This calculation is based on general lender affordability credit guide-lines of 30% instalment to gross income and on your disposable income.

* This is the default interest rates in South Africa at the moment. Banks may decide to change this based on your credit score and other factors.

Banks, as a rule, will give you a bond to a value whereby the monthly repayments are a maximum of 30% of your gross monthly income. This will be your combined income if you are married.

They will also conduct a credit check and is this is not positive, will cause them to either charge you a higher interest rate or decline your bond altogether. Another important aspect the will consider is your affordability. They will look at your net monthly income less your monthly expenses to determine if you have sufficient income to cover the repayments.

In other words, they will look at your existing debt repayments, vehicle finance, school fees, and other monthly costs. If your income was R 40 000 per month but your expenses were more than R 30 000, you would have a hard time getting a bond.

Use our bond affordability calculator above to see how much you will qualify for.

READY TO APPLY?