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.