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Where are you in your journey?

Pick one so we can tailor your pre-approval.

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.

Where are you in your journey?

Pick one so we can tailor your pre-approval.

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 step.

Who Can Apply?

Individuals

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

Joint Applicants

Two or more people applying together to combine income and share repayment responsibility.

Legal Entities

Registered businesses or trusts applying for property financing using organizational documents and financial records.

Qualify Me

Qualify Me

Get an accurate affordability check to qualify for a home loan

CHECK
Refinance

Refinance

Get money from your bond for home improvements or personal use

APPLY
Buy a home

Buy a home

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

APPLY

Documents you will need

Read more about buying a home

Can’t Afford a Home Loan on Your Own?
Can’t Afford a Home Loan on Your Own?
Hidden Costs That Surprise First-Time Home Buyers
Hidden Costs That Surprise First-Time Home Buyers
Your Bond Has Been Registered – What Next?
Your Bond Has Been Registered – What Next?
Five Insurances Every Household Should Have
Five Insurances Every Household Should Have

What to expect when applying for a Home Loan

Submit Application

1

Submit Application

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

Affordability Check

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.

Property Assessment

3

Property Assessment

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

Loan Offer

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

Bond Affordability Calculator

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

Calculate Now

Bond Repayment Calculator

Calculate your monthly home loan repayments based on the purchase price, deposit, and interest rate.

Calculate Now

READY TO APPLY?

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