Whatever the bond, we’ve placed it.
We submit to every major South African bank on your behalf. Below is a breakdown of the situations we handle most often.
First-time home buyers
Buying your first home is daunting. We hold your hand through every step: pre-qualification, offer to purchase, bank submissions, signing. We know the bank programmes that favour first-time buyers (lower deposits, higher loan-to-value ratios).
Second & investment properties
Banks treat investment properties differently — tighter loan-to-values, higher rates. We know which banks are aggressive on second-bond pricing and structure the application accordingly.
Bond switches & re-financing
If you've had your bond more than three years, you're almost certainly paying too much. We requote your existing bond against current market rates — if a switch saves you money, we handle the transfer.
Self-employed applicants
Self-employed cases need a specific paperwork package and the right bank. We know which banks lend to business owners on the strength of management accounts vs. only audited financials.
Building loans
Building loans are released in stages tied to construction milestones. We structure these so your draws line up with your builder's payment schedule and you don't pay interest on capital you haven't drawn yet.
Bridging finance
Need access to your equity before transfer goes through? We arrange bridging through bank-vetted partners so you have funds when you need them.
Banks we submit to
One application from you. Six applications from us.
Not sure which one fits you?
Pre-qualify online and tell us your situation. We’ll point you at the right product before you waste time on the wrong bank.
Start Pre-Qualification →