OUR SERVICES » BOND ORIGINATION
Get the best home loan deal without the stress
Secure your home loan and save thousands with our bond origination service.
Need a Home Loan?
Our Bond Originators can help!
Our trusted bond originators have assisted most of our clients across South Africa with their financing applications (R500 million and counting). When you become our client, you get full access to this service.
How our bond originators help you
Using a bond originator that is experienced in obtaining financing in trusts is a no-brainer in terms of the benefits it provides.
01. Higher success rate
Our bond originators are home loan application experts with a 90+% success rate! They know which documentation to submit and how to overcome any hurdles.
02. You get the best home loan deal
Our bond originators achieve an average lending rate of less than prime for our clients. They negotiate the best offer on your behalf – at no cost to you.
03. Massive savings
Our trusted bond originators save you money and time by getting you the best deal, simplifying the application process, and dealing with possible issues or delays.
The Bond Origination Process
01. Pre-qualification and -approval
Being pre-approved allows you to choose the best offer from any financial institution, not just your own bank. Our bond origination partners help you determine what home loan you qualify for and get you pre-approved.
02. Documentation submission
The next step is to perform a credit check. The bond originators will need the following documents to continue with the application process:
- Three months’ bank statements
- Three months’ pay slips
- Proof of identification, and
- Proof of address
03. Wait for feedback
You’ve done your part; now, all you have to do is wait for our partner to call you with their feedback about your application within four working days!
Need help to apply for your home loan? Get in touch today!
Our team would be happy to assist you with any questions you might have.
CONTACT US
FAQ: Bond Origination
Is it possible to get 100% financing in a newly registered entity?
Absolutely! We do it all the time for our clients by providing a solvent and non-trading letter to the bank. The bank will use the affordability of the directors or trustees to sign surety on behalf of the entity.
Should I rather take a 30-year bond or a 20-year bond?
Everything about property investment is about cash flow, so as a property investor, rather take a 30-year bond than a 20-year one. The better the cash flow, the more properties you can own and with a 30-year bond, your monthly bond payment is less, improving your cash flow. Keep in mind that if you take a 30-year bond, you’ll have 10 extra years to refinance the property.
Is it wise to refinance my property?
If you are a responsible property investor, refinancing can greatly benefit you. The capital you make available through refinancing can be used for cash reserves in your existing property portfolio (cash is king), or you can use that capital to acquire your next investment property, as this can pay for the transfer fees, bond registration costs and deposits, if applicable.
How important is my credit score?
Your credit score is incredibly important for you as a property investor! A better credit score results in a better loan and better terms.
How do I build my credit score?
Have some credit cards or retail or clothing accounts but don’t max them out. Pay them diligently every month. Remember that it is still possible to get financing with a poor credit score, but a good credit score increases your chances and the terms.
Would the banks finance it if I want to install solar on one of my properties?
Absolutely! Nowadays, banks are willing to finance up to 100% of solar installation.
Need help to apply for your home loan? Get in touch today!
Our team would be happy to assist you with any questions you might have.
CONTACT US