Residential Home Loans

Residential Home Loans

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.

Successfully applying and obtaining a home bond is a critical step in the purchasing process. 

At Phoenix Bonds, our bond originators are here to help make this step a quick and easy one.

From negotiating interest rates to re-structuring your bond application to look more appealing to banks – we will guide you through the whole home loan process.

Our team of bond originators in South Africa is well-versed with all the knowledge and experience needed to make sure your home bond is tailored to your specific needs. 

Unlike other bond origination service providers, we pride ourselves on our personal, one on one service. 

105% Home Loans - bond originators

Criteria for Obtaining a Home Loan in South Africa

To qualify for a 105% bond – the following criteria applies:

  • You must be a South African citizen
  • First time home buyer
  • The purchase price for the home must be under R1.8 million
  • You must be under the age of 35 (ABSA/FNB only)
  • Approval is subject to affordability and credit scoring
  • Excludes vacant land, building loans and legal entities 

Phoenix Bonds – Your Bond Originators in South Africa

Phoenix Bonds specialises in bond origination and bridge finance amongst several other specialist services. 

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.

Get Started with your Home Loan Application!