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, June 1, 2025 | Hannah van Deventer
If you earn a basic salary plus commission, overtime, or bonuses, you’re not alone. In South Africa, many professionals — from salespeople to nurses to freelancers — have variable income structures.
But when it comes to applying for a home loan, it’s important to understand how banks view this kind of income. Spoiler alert: it’s not treated the same as a guaranteed salary.
Here’s what you need to know.
In South Africa, owning a home is a major milestone — and for many, that journey begins with qualifying for a home loan. While income, credit score, and expenses are the main ingredients banks assess, there’s another factor that plays a bigger role than most people realise: your level of education.
Here’s why having a diploma, degree, or other post-matric qualification can significantly increase your chances of getting that all-important home loan approval.
Most people think that once they’ve submitted their home loan application, it heads straight to a credit analyst who decides whether it’s approved or declined. In reality, there’s a lot that happens before it even reaches a credit analyst’s desk — and if you’re not prepared, your application might not even make it that far.
Here’s a behind-the-scenes look at the early part of the bond journey — and why preparation is everything.
Saturday, May 31, 2025 | Hannah van Deventer
When most people think about a home loan, they only think about debt — a long-term commitment to repay the bank. But what if we told you that your home loan could be your most powerful savings tool and also your cheapest source of credit?
Welcome to the world of access bonds (also known as access facilities). If you have a home loan in South Africa — or plan to get one — understanding how an access facility works can put you in a far better financial position in the long run.
Wednesday, May 28, 2025 | Hannah van Deventer
The 2008 Global Financial Crisis exposed critical weaknesses in the global banking system. Banks around the world—including some of the largest—were undercapitalized, over-leveraged, and heavily reliant on short-term funding. When property markets collapsed and mortgage-backed securities went sour, these weaknesses triggered a domino effect of financial failures.
To restore confidence, ensure financial stability, and protect economies from future shocks, the Basel Committee on Banking Supervision introduced Basel III, an internationally agreed set of banking regulations.
Saturday, May 24, 2025 | Hannah van Deventer
The Mortgage Origination Council of South Africa (MORCSA) serves as a pivotal industry body representing mortgage originators—professionals who facilitate home loan applications between prospective homeowners and financial institutions. Established by leading origination firms such as Ooba, BetterLife Group, and Multi Net Real Estate, MORCSA advocates for industry standards, consumer protection, and regulatory clarity in South Africa’s home financing sector.
When it comes to long-term wealth building, property investment remains one of the most reliable and accessible strategies—especially in South Africa where demand for rental housing continues to grow. One powerful approach to property investment is using rental income to cover your bond and related costs, a model that, if planned carefully, can generate wealth through both cash flow and capital appreciation.
Thursday, May 22, 2025 | Hannah van Deventer
n South Africa, it’s not uncommon to face financial shortfalls before payday. For many, the quick fix seems to be a temporary loan — fast cash with little paperwork. But what looks like a lifeline can actually turn into a long-term financial anchor, especially if you’re dreaming of buying a home.
Here’s why temp loans can be far more damaging than helpful — and why using your overdraft facility (if you have one) might be a smarter move.
Monday, May 19, 2025 | Hannah van Deventer
In South Africa, your credit profile is one of the most important tools lenders use to assess your ability to manage debt. But have you ever wondered how your credit information actually gets to the credit bureaus — and why sometimes, not all the bureaus have the same information?
Sunday, May 18, 2025 | Hannah van Deventer
Buying a home in South Africa is one of the most significant financial decisions many people make. Whether you’re a first-time buyer or a seasoned homeowner, your mortgage (also known locally as a home loan) is likely to be your largest long-term debt. Understanding how mortgage interest works — and how to pay less of it — can help you save hundreds of thousands of rand over time.
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: 2020
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: 2392