A bond originator works as a middleman between you and potential lenders. They manage the home loan application process for you by applying for a home loan on your behalf to multiple lenders, finding competitive interest rates and negotiating terms.

Banks are in the “money-making business” and not in the “saving-you-money business.”  But as an independent bond originator, we work for you NOT the banks. We have access to multiple lenders and dozens of home loans and we can comparison shop the market for the lowest possible cost. 

One of the biggest blunders South African consumers makes when getting a home loan is going to their bank and accepting the rate the bank offers them. And although the bank oftentimes gives a discount on the interest rate, in most cases it is not the best rate available. People think that because they are getting a discount that that is the best rate going.

Most often, the rates given by the banks are not the best on the market. That’s why most sophisticated consumers hire a specialised bond originator, who has access to many different lenders with the best rates available.

Home loan consultants are employees of a specific bank and are paid a set salary (plus bonuses) for completing home loan applications. You are not  guaranteed you’re getting the most competitive rate

Bond originators, on the other hand, work with multiple lenders. Having several banks to compete for your business will not only guarantee you the most competitive rate, but it will also enable you to find the best home loan product for your needs.

Our service is completely free and transparent. There is no hidden fees or charges. The fees you pay the bank and attorneys will stay the same, whether you use our services or not.