Home loans, without the runaround
bond.co.za compares offers from every major South African bank with one application. Self-serve, transparent, free — and no phone calls unless you ask.
Free · No obligation · No spam calls.
Illustrative screen — your dashboard shows every bank’s real status and offer, side by side.
3-minute answer
Instant affordability estimate, any time of day. No callbacks, no business hours.
See every offer
Every bank's quote side by side on your dashboard — nothing negotiated behind your back.
AI + human
An AI bond expert answers instantly, 24/7. A registered consultant is a tap away whenever you want one.
Check what you qualify for
Instant estimate on screen. No contact details needed to see the number.
Three steps. Zero phone tag.
The same one-application-to-every-bank process the industry runs on — minus the part where you wait for someone to call you back.
Answer a few questions
Get your affordability estimate instantly — on screen, not in a follow-up call. No contact details needed to see the number.
Upload documents once
Our AI checks them in real time — catching what's missing before the banks do — and submits one application to all major banks, including yours.
Compare live offers
Track every bank's status yourself on your dashboard and accept the best offer. You choose; nobody narrates the process at you.
What buyers actually got last month
No originator publishes the rates people really end up with. We think that's the whole problem — so here they are, by deposit band.
| Deposit band | Avg. negotiated rate |
|---|---|
| No deposit (100% bond) | prime + 0.50% |
| 1–9% deposit | prime + 0.25% |
| 10–19% deposit | prime |
| 20%+ deposit | prime − 0.25% |
Methodology, honestly: these figures are seeded from published South African market averages. As our own completed deals reach meaningful volume, this table switches to anonymised bond.co.za data — average rate achieved per bank and per credit band, updated monthly.
What would the repayment be?
Drag the sliders. The rate slider is the argument for comparing offers.
Excludes bond registration and transfer costs. A quarter-percent rate difference on this loan changes the repayment by R 253 a month — which is why offers are worth comparing.
Why not just go to your bank?
You can — and your bank will happily quote you a rate with no competing offer on the table. Industry data has shown for years that borrowers who take a single quote typically pay meaningfully more, and that applying through multiple banks materially raises both your approval odds and your negotiating position. The incumbent originators publish these numbers themselves.
One application through bond.co.za goes to every major bank — including your own. If your bank really has the best offer, you’ll see that on the dashboard and take it. Either way, you’ll know, instead of hoping.
We deliberately don’t invent precise percentages here. When our own deal data reaches meaningful volume, the real numbers will be published in the rate table above.
Every question, answered at 11pm
Trained on South African home loan rules, bank requirements and our own deal flow. It answers in seconds — and hands you to a registered human consultant the moment you ask.
NCR compliant. Operating within the National Credit Act; registration details published in the footer.
POPIA first. Your details go only to the banks you choose — never sold, never passed to call centres.
Bank-grade security. Documents encrypted in transit and at rest; you can delete your data at any time.
Humans on request. A registered consultant is available whenever you want one — the choice is just yours.
Straight answers
Is a bond originator free?
Yes. bond.co.za is free to use with no obligation. Like all bond originators, we earn a commission from the bank whose offer you accept — the banks pay it because we bring them completed, verified applications. It is never added to your loan.
Will you phone me?
Only if you ask us to. The whole process — affordability check, application, document upload, offer comparison — is self-serve, and our AI bond expert answers questions instantly, 24/7. A registered human consultant is available on request, but we will never cold-call you.
Can I get a 100% bond?
Yes — most major South African banks offer 100% bonds (no deposit), especially to first-time buyers, subject to affordability and credit checks. Expect a slightly higher interest rate than with a deposit; applying to every bank at once shows you exactly what that difference is.
How long does home loan approval take?
Your affordability estimate is instant. Once your documents are in, banks typically respond with a decision in 3 to 7 working days — and you can watch each bank’s status live on your dashboard instead of waiting for a callback.
What's the difference between a bond and a home loan?
Nothing — in South Africa "bond" and "home loan" mean the same thing: a loan secured against the property you are buying. "Bond" comes from the mortgage bond registered at the Deeds Office in the bank’s favour.
I'm self-employed — can I still apply?
Yes. Self-employed buyers need more paperwork (typically 6–12 months of bank statements, financials and proof of income), which is exactly where an AI document check helps: it tells you immediately what is missing or inconsistent, before the banks see anything.
Get your bond. Skip the phone calls.
Three minutes to your affordability estimate — no contact details required to see the number.