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BondMakers Home Loans

About BondMakers

People who know home loans, helping people who don’t.

We started BondMakers because we kept watching friends and family get caught with rates 0.5%–1% higher than they should have. A simple phone call to a few banks — the kind we make every day — would have saved them hundreds of thousands of rands. So we built a business to do exactly that.

The team

You’ll deal with us. Directly.

No call centre, no ticket numbers, no being passed around. Save our numbers.

Julie Költzow, Co-founder & Bond Consultant

Julie Költzow

Co-founder & Bond Consultant

Julie has spent over a decade in South African home loan origination, working directly with bank credit teams. She knows exactly which banks lend on which property types and which presentations get the sharpest rate.

  • Bank credit teams
  • Property-type matching
  • First-time buyers
Bertus Költzow, Co-founder & Bond Consultant

Bertus Költzow

Co-founder & Bond Consultant

Bertus handles the negotiation and the deal structuring. If your case is unusual — self-employed, foreign income, low deposit — he’s the one who makes it work.

  • Rate negotiation
  • Self-employed cases
  • Deal structuring

What we believe

Three things we won’t compromise on.

A bond deserves more than 20 minutes.

It’s the biggest cheque you’ll ever sign. It deserves more than a quick chat with one bank’s consultant whose KPI is selling you their products.

Competition gets you a better rate.

Banks know when they’re competing. They negotiate when they know there’s a competing offer on the table.

You shouldn’t pay for advice.

We’re paid by the winning bank, never by you. Our incentive is that you accept an offer — and the only way that happens is if it’s actually a good one.

New homeowner holding house keys at the front door

20+

years of combined South African home-loan experience.

We know which bank lends on sectional title versus freehold, who’s aggressive on 100% bonds this quarter, and how to present a self-employed application so it gets approved. That knowledge is what you’re getting — for free.

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.

Pre-Qualify in 2 minutes