Okay, you’ve found your home, love it, and you’ve signed the Offer to Purchase. Now’s it’s bond-time!

Firstly, shop around for the deal that suits you. You can go to your Bank. They know you and they know your financial history. Or you can apply via a mortgage originator who, at a cost, will get you ‘the best deal’ by covering all the banks with one application. Once you’ve decided which way is the best way, you must present the following:

  • Proof of income
  • Copy of your South African passport or ID
  • Copy of the signed Offer to Purchase
  • Proof of current address
  • Official salary slip or stamped bank statement (both must reflect the past 3 months).

To qualify for a bond, you must;

  • Be over 21 years of age
  • Be employed permanently for at least 6 months
  • Have no judgements or defaults on your credit profile
  • Earn more than the minimum as set out by your chosen bank

Good luck and enjoy your new home!

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