Bond originators are highly trained in finance and mortgage lending. Our mission is to get you the best home loan deal by applying to multiple banks on your behalf, so you can compare which institutions offer the best interest rates, terms and loan amount. Bond originators are compensated by the bank, and as a result our services are free to the home loan applicant.

Contact us for a pre-qualification. This will give you an estimate on the bond amount you may qualify for, allowing you to begin the exciting journey of house-hunting.

No. A pre-qualification simply provides you with a realistic idea of what you can afford, based on your income and expenses, as well as your credit record, which determines your chances of having a bond approved.

Provided all documentation has been supplied, the application usually takes between 3 and 7 working days.

Bond registration fees and transfer fees

Transfer duty

Initiation fees

Homeowners insurance

Life insurance (if applicable)

Monthly administration fee

These fees are charged for ensuring that the bank’s mortgage bond is registered, and transfer of ownership takes place.

It is a tax that is payable to SARS and is based on the purchase price or value of the property. This fee is applicable on properties bought or valued for more than R1 000 000.

This is a fee charged by the bank for processing of the bond application.

Financed Linked Subsidy Programme. FLISP is a housing subsidy for first-time home buyers to assist with purchasing a home. The subsidy is paid to your bank or financial institution and will reduce your monthly loan instalments, making it more affordable to buy a home. More information may be found at https://www.nhfc.co.za/home-buyer/

Salaried individual/s:

Latest salary slip. If you earn variable income (overtime, commission, etc.), 6 months payslips are required.

Latest 3 months personal bank statements / 6 months for variable income

Self-Employed individual/s:

Letter of drawings from an accountant

Latest 6 months personal bank statements

Latest 6 months business bank statements

Latest 2 years’ Annual Financial statements

Management Accounts

The bond registration process begins once you have accepted the bond approval from the relevant bank/financial institution. The bank/financial institution will now appoint a bond attorney to register the bond for the property in your name. If applicable, you will also need to pay the attorney a bond registration fee. You can use the Bond Calculator to calculate an estimate of your bond fees.

The signed bond documents are then sent to the bank and the bank will issue a proceed to register at the Deeds Office. The Deeds Office usually takes 8 to 10 working days to register the new title deed in your name. The title deed is kept by the bank for safekeeping until you have paid off the home loan.

This service fee is for the cost of maintaining your home loan account.