FREEBond origination service
Your home loan, negotiated by experts.
We submit your application to every major South African bank, get competing offers, and hand you the best deal. You pay nothing — the bank that wins your bond pays our fee.
- Free service
- 100%
- Free service
- Banks competing
- 6+
- Banks competing
- Hidden fees
- 0
- Hidden fees
Quick estimate
Prime 10.75%
At prime
R 16 447/mo
Prime − 0.5%
R 15 903/mo
20-year bond. A sharper rate saves R 131k over the loan.
Full repayment calculatorOne application from you. Six banks competing for your bond.
How BondMakers works
We do the running around. You sign once.
1
Pre-qualify online
Run a free LUCID Clear Credit assessment. You’ll see what the banks will lend you and at what rate, before we make a single call.
2
We submit everywhere
One application form from you. We send it to ABSA, FNB, Nedbank, Standard Bank, SA Home Loans and Investec.
3
You pick the best offer
The banks compete. You choose the sharpest rate. We finalise the paperwork and you get the keys.
Why use a bond originator?
Banks don’t advertise their best rates.
They negotiate them — and only when there’s a competing offer on the table. Going to a single bank yourself can easily cost you half a percent on your interest rate.
- Apply once, reach every major bank
- We negotiate the rate on your behalf
- Free to you — the winning bank pays us
- 20+ years combined SA home-loan experience
- Personal service from Julie and Bertus, not a call centre
Same house, different rate
R 1 500 000 bond · 20 years
| Rate | Monthly | Total interest |
|---|---|---|
| Prime + 1%11.75% | R 16 256 | R 2 401 345 |
| Prime + 0.5%11.25% | R 15 739 | R 2 277 322 |
| Prime10.75% | R 15 228 | R 2 154 824 |
| Prime − 0.5%10.25% | R 14 725 | R 2 033 916 |
Just half a percent difference saves you
R 122 497
Free calculators
Know your numbers before you view a single house.
Repayments, affordability, transfer costs and more — built for South African buyers.
What we do
Whatever the bond, we’ve placed it.
First-time home buyers
We hold your hand through every step.
Second & investment properties
Structured for tighter bank criteria.
Bond switches & refinancing
Had your bond more than three years?
Self-employed applicants
The right paperwork, at the right bank.
Building loans
Draws that match your builder’s schedule.
Bridging finance
Access your equity before transfer.
Real people, not a call centre
Meet Julie and Bertus.
We started BondMakers after watching friends and family pay rates 0.5%–1% higher than they should have. A few phone calls would have saved them hundreds of thousands of rands.
“A bond is the biggest cheque you’ll ever sign. It deserves more than a 20-minute chat with one bank’s consultant.”
FAQ
Questions, answered.
Is BondMakers really free?
Yes. The bank that ultimately grants your bond pays our origination fee. You pay nothing to us, ever. Your interest rate is no higher because of us — banks know that originators bring them better-prepared, ready-to-sign applications, so they price the same or sharper than walk-in customers.
Will pre-qualifying affect my credit score?
Our pre-qualification runs a soft enquiry through LUCID Clear Credit, which does not affect your credit score. Hard enquiries only happen once you authorise us to formally submit your application to the banks.
How long does the whole process take?
From submission to approval-in-principle is typically 5–10 business days, assuming we have all your supporting documents. From approval to registered bond at the Deeds Office is another 6–10 weeks, but that’s mostly attorney and bank back-office time, not us.
What documents will I need?
Standard package: SA ID, last 3 months’ bank statements, last 3 payslips (or last 12 months if your income is variable), proof of residential address, and a marriage certificate or ANC contract if applicable. Self-employed applicants add 2 years’ financial statements and 6 months’ business bank statements.
Ready to see what you qualify for?
Free, no obligation. Get a real view of what the banks will lend you in about two minutes.