Your Dream Home Starts Here
Get pre-approved for your bond in 24 hours. Competitive rates from prime -0.5%. Finance up to 100% of property value with flexible terms from 5 to 30 years.
Choose Your Home Loan
Flexible bond solutions tailored to your financial situation and property type
Most Popular
First Time Buyer Bond
- No transfer costs on properties under R1M
- 100% financing available
- 24-hour pre-approval
- Free property valuation
- No initiation fee
Renovate
Home Improvement Loan
- Borrow up to R2M for renovations
- Flexible drawdown periods
- Interest-only during construction
- Builder payment guarantees
- Progress inspection included
Save Money
Bond Refinance
- Switch from another bank
- Access equity cash-out
- Consolidate debt options
- No penalty from Dassen
- Free cancellation support
Investment
Buy to Let Investment
- Finance rental properties
- Rental income considered
- Multiple properties allowed
- Tax deduction guidance
- Landlord insurance options
Business
Semi-Commercial Bond
- Mixed-use properties
- Small business premises
- Up to 80% financing
- Business financials considered
- Flexible repayment structures
Eco-Friendly
Green Home Bond
- Energy-efficient homes
- Solar panel financing
- Water harvesting systems
- Lower rates for green certification
- Eco-renovation support
Your Path to Home Ownership
Simple, transparent process from application to keys in hand
Submit Application
Complete our online application in 10 minutes. Upload required documents securely through our portal.
Credit Assessment
Our team reviews your financials, credit history, and property details. Most decisions within 24 hours.
Property Valuation
Independent valuation of the property at no cost to you. Ensures accurate loan-to-value ratio.
Loan Approval
Receive your formal offer letter. Review terms with your dedicated bond consultant.
Sign & Register
Sign documents at our branch or via e-signature. We handle all conveyancing coordination.
Get Your Keys
Once registered at Deeds Office, funds are transferred and you receive your property keys!
Bond Repayment Calculator
Calculate your monthly repayments and understand your total bond costs
Detailed Bond Calculator
Competitive Bond Interest Rates
Transparent pricing with no hidden fees. Rates updated daily.
Rates are subject to credit approval and may vary based on your credit profile. Prime rate currently at 11.75%.
What You'll Need to Apply
Prepare these documents to speed up your bond application process
Personal Documents
- Valid South African ID or passport
- Proof of residence (utility bill)
- Marriage certificate (if applicable)
- Divorce decree (if applicable)
Income Proof
- Latest 3 months' payslips
- IRP5 tax certificate
- Bank statements (3-6 months)
- Employment confirmation letter
Property Documents
- Offer to purchase (signed)
- Property deed/title
- Rates clearance certificate
- Homeowners insurance quote
Financial Info
- List of existing debts/loans
- Credit report (we can obtain)
- Proof of deposit funds
- Investment statements (if applicable)
Common Bond Questions
Get answers to frequently asked questions about home loans
Generally, banks approve bonds up to 30% of your gross monthly income. For example, if you earn R50,000/month, you could qualify for a bond with repayments up to R15,000/month. Use our calculator above to estimate your affordability based on current rates.
First-time buyers can qualify for 100% financing (no deposit) on properties under R1 million. For properties above R1 million, a 10-20% deposit is typically required. Having a deposit improves your approval chances and may secure better interest rates.
Pre-approval can be obtained within 24 hours. Full bond approval typically takes 5-10 working days after all documents are submitted. The entire process from application to registration usually takes 6-8 weeks, depending on the conveyancing attorney and Deeds Office.
Yes! You can make additional payments at any time without penalty. Even small extra payments (e.g., R500/month) can significantly reduce your interest costs and shorten your bond term. Our calculator shows the impact of additional payments.
Contact us immediately if you're experiencing financial difficulty. We offer payment holidays, restructuring options, and temporary relief programs. Early communication helps us find solutions before arrears accumulate and affect your credit score.
No hidden fees. Standard costs include: initiation fee (R5,700 max, often waived), monthly service fee (R69), and conveyancing attorney fees (paid separately). We provide a full cost breakdown before you commit. No early settlement penalties.
Guarantee
South Africa's Most Trusted Bond Provider
With over 25 years of experience in home finance, we've helped more than 500,000 South African families achieve their dream of home ownership. Our commitment to transparency, speed, and competitive rates makes us the preferred choice for bond finance.
Best Rate Guarantee
If you find a lower rate elsewhere, we'll match it plus give you 0.1% off.
Fastest Approval
24-hour pre-approval and 5-day full approval. We move at your pace.
Dedicated Consultant
One bond expert from application to registration. No call centres.
Full Regulatory Compliance
SARB regulated, NCR registered, FAIS compliant. Your protection guaranteed.
Ready to Find Your Dream Home?
Get pre-approved in 24 hours with no obligation. Our bond specialists are ready to help you every step of the way.