Bank Partners
Trusted partners we work with to help secure the right home loan for you.
Home Loan & Bond Origination in Cape Town
Home loans are our business, and our focus is getting your bond approved.
Bond Origination
We liaise with all the banks to guarantee you the BEST deal on your Home Loan.
Pre-qualification
With a pre-qualification that is done by us, you can determine for which amount you qualify for when applying for a Home Loan.
Still Looking for a Home?
I am still searching for property using property portals, newspapers and visiting show houses but would like to ask a few questions.
The company is headed by Antonella Werth, who is a partner in the oobalink group of originators. She has many years of experience in home finance and since establishing the business in 2004, it has grown exponentially and has become a well known and highly respected player in the bond origination market. Oobalink Northern Suburbs has a national footprint that enables them to do Home Loans countrywide.
Through the years we have built great relationships with estate agencies, estate agents, developers, clients and the banks.
We pride ourselves on outstanding service and finding the best deal for you and making the whole mortgage process as easy and hassle free as possible and keep you informed every step of the way.
We speed up the process of applications via electronic submission to the various banks to ensure you get the competitive edge and thus the best deal possible.
Our Mission says it all: “We don’t want to be the biggest, only the best!”
Bearing this in mind, please put us to the test when buying your next property.
Bond Calculator
Calculate the home loan you qualify for.
Repayment Calculator
Calculate your monthly bond repayments.
Transfer Cost Calculator
Calculate your registration and transfer costs.
Deposit Savings Calculator
Calculate how much you need to save for your deposit.
Amortisation Calculator
Calculate how your repayment is structured.
I am so impressed! I will certainly be singing your praises to my friends and family should they require your assistance!
Thank you for your assistance with our bond application. Your advice, efficiency and friendliness made a normally painstaking process a pleasurable one. I will be sure to recommend your service.
Wel gedaan ook aan jou en jou span! Ek kan nie in woorde omsit hoe baie julle doeltreffendheid en manier van werk my beïndruk nie!
It has been a great pleasure dealing with you during the last while. Your professional and courteous support is greatly appreciated.
Just a note to say a huge thank you for your assistance with our bond application, your professional service made the whole process effortless for us.
We will definitely make use of oobalink Northern Suburbs again. What wonderful service!
A bond originator submits your home-loan application to several banks on your behalf, compares the quotes they return, and helps you negotiate a competitive interest rate. A bond originator is not a lender; we act as your intermediary with the banks and guide you through the paperwork and the process from application to registration.
Pre-approval is an assessment of your income, expenses and existing debt to indicate how much you may be able to borrow. It helps you shop for a home within a realistic price range. Pre-approval is an indication only; the final amount, rate and approval remain subject to the selected bank's full assessment and the signed purchase agreement.
Most banks ask for a copy of your ID, proof of income, three to six months of bank statements, proof of residence, and the signed offer to purchase once you have one. Having these ready helps avoid delays.
Timelines vary by bank and by how complete your application is. A straightforward application with all documents submitted can often be assessed within a few working days, while more complex cases may take a few weeks.
Yes. Self-employed buyers can qualify, usually with additional documentation such as personal and business financial statements, SARS tax returns and bank statements. Lenders assess affordability in the same way, so clear, well-organised records make the process smoother.
Yes. If you already have a bond, it is often worth reviewing your rate. A bond originator can request quotes from other banks to see whether switching or refinancing could lower your monthly repayment. Any saving depends on current rates, your profile and the bank's assessment.
An initial, obligation-free conversation with us does not affect your credit score. A formal credit enquiry is only triggered when a lender runs a credit check as part of an actual application. We will always explain this before anything is submitted to a bank.
For standard home loans, bond originator commission is generally paid by the lending bank rather than by you. It is always best to confirm the specific arrangement with us, and we are happy to explain it clearly before you proceed.
The standard minimum deposit is typically 10% of the property value, though some banks may accept lower amounts. A larger deposit reduces your monthly repayment and may improve your loan terms. Use our deposit savings calculator to estimate how much you need to save.
Banks typically lend up to around 80-90% of the property value or purchase price. Your exact affordability depends on your income, expenses, existing debts, credit profile and the current interest rate. Use our affordability calculator for an estimate.
Pre-qualification is a preliminary estimate based on the information you provide. Final approval requires a full application, credit check, income verification and property assessment by the bank. We help you through both stages and keep you informed along the way.
This information is general guidance only. Approval, interest rates and lending decisions are subject to each bank's assessment and their specific criteria. For advice on your situation, please contact us.
