About BondMakers
People who know home loans, helping people who don’t.
We started BondMakers because we kept watching friends and family get caught with rates 0.5%–1% higher than they should have. A simple phone call to a few banks — the kind we make every day — would have saved them hundreds of thousands of rands. So we built a business to do exactly that.
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Julie Koltzow
Co-founder & Bond Consultant
Julie has spent over a decade in South African home loan origination, working directly with bank credit teams. She knows exactly which banks lend on which property types and which presentations get the sharpest rate.
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Bertus Koltzow
Co-founder & Bond Consultant
Bertus handles the negotiation and the deal structuring. If your case is unusual — self-employed, foreign income, low deposit — he’s the one who makes it work.
What we believe
- A bond is the biggest cheque you’ll ever sign. It deserves more than a 20-minute chat with one bank’s consultant whose KPI is selling you their products.
- Competition gets you a better rate. Banks know when they’re competing. They negotiate when they know there’s a competing offer on the table.
- You shouldn’t pay for advice. We’re paid by the winning bank, never by you. Our incentive is that you accept an offer — the only way that happens is if it’s actually a good one.