As a leading bond origination company in South Africa, we offer a comprehensive range of residential home loans to help individuals and families realize their dream of homeownership.
Our expert team works closely with our clients to understand their unique financial needs and guide them through the home loan application process.
We assist our clients in applying and obtaining home loans at competitive interest rates and with flexible terms to suit a variety of needs and budgets.
Whether you're a first-time homebuyer or looking to refinance an existing home loan, we're here to help you navigate the process and find the right loan for you.
Our commitment to exceptional customer service and building long-term relationships with our clients ensures that you receive the best possible outcome. Contact us today to learn more about our residential home loan products and how we can help you achieve your homeownership goals.
Fast, professional and effective client-focused service. Our bond originators are accomplished property professionals with many avenues for expert advice. Make an informed decision.
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We source the best suited equity partner for your commercial property, whether you are looking to purchase an income-generating asset or want a home for your business.
We assist developers with a once-off approval of their development with all the banks, including a streamlined application process with qualified end-users.
Sunday, October 12, 2025 | Hannah van Deventer
South Africa’s property market is recovering as construction costs fall and buyer confidence rises. Phoenix Bonds explores how rate cuts, currency strength, and government reforms could boost affordability and home loan opportunities in 2025.
Saturday, October 4, 2025 | Hannah van Deventer
Confused why your bond is registered for more than your home loan amount? Learn in simple terms what the “additional amount” on a registered bond means, why banks do it, and why you don’t pay for it.
Home loan quotations in South Africa must disclose more than just the interest rate. Learn what banks are legally required to communicate - from fees and insurance to the total cost of credit - under the National Credit Act.
Thinking about buying instead of renting? Discover why homeownership in South Africa is a powerful wealth-building tool, why rent is “dead money,” and the long-term benefits of investing in property.
South Africa’s 105% home loans are unique in the global market. Discover when they started, why they exist, and what they mean for first-time buyers. Learn the pros, cons, and what makes them rare worldwide.
Discover how amortisation works on your home loan, why early repayments matter, and how long it takes to reduce your balance from 105% to 100%. Real examples at 10% and 11% interest rates.
Friday, October 3, 2025 | Hannah van Deventer
Banks in South Africa have BEE reporting requirements for home loans. Learn how this affects approvals and why race is asked on bond applications.
In South Africa, banks focus on income and affordability, not collateral, when approving home loans. Learn why serviceability is key.
Tuesday, September 30, 2025 | Hannah van Deventer
Banks only offer one product and follow rigid lending rules. A mortgage broker, like Phoenix Bonds, can compare multiple banks, negotiate better rates, and tailor your application for flexibility.
Compare home loans, car finance, credit cards, overdrafts, personal loans and payday loans. Learn why mortgages are the lowest risk and lowest rate option in South Africa with Phoenix Bonds.
With lower vacancies and lower tenant defaults, investors are recognizing the attractive financial benefits of residential opportunities in this thriving market.
Read More ...Posted by Hannah van Deventer on Thursday, May 16, 2024 Views: 2671
Saratoga Estate is an exclusive new development in Beaulieu, Midrand. Situated halfway between Johannesburg and Centurion, Saratoga Estate offers all the tranquillity of country style living, with all the convenience of the city.
Read More ...Posted by Hannah van Deventer on Wednesday, April 17, 2024 Views: 3101
