Terms of use

Equity Bond Home Loans operates as a mortgage origination service in South Africa and is a registered credit provider. We are remunerated by the lending institution that registers the bond, which is why our service carries no cost to the applicant.

We are not a bank and we do not grant credit. Every approval, interest rate, concession and condition is determined by the relevant lender on its own assessment of your application.

The calculators on this site are provided to help you plan. They are not a quotation, an offer of credit, a pre-approval or financial advice as contemplated in the Financial Advisory and Intermediary Services Act 37 of 2002.

Repayment figures assume a standard amortising loan at the rate you enter, and default to the prime lending rate of 10,50 percent effective 28 May 2026. They exclude the bank's monthly service fee, initiation fee, rates, levies and insurance premiums.

Transfer and bond cost estimates apply the SARS transfer duty table for the 2026/27 tax year, effective 1 April 2026, together with the recommended conveyancing tariff. Attorney tariffs move in steps and are subject to change, so the binding figure is the pro forma account issued by your transferring attorney.

Affordability results are a guideline. Banks assess net income after deductions, your credit record, the nature of your income and the affordability test required by the National Credit Act 34 of 2005.

Submitting an enquiry or application form on this site does not create a credit agreement and does not oblige any lender to grant finance.

No credit bureau enquiry is made until you have spoken to an originator and confirmed that you want the application submitted.

All finance is subject to the credit criteria of the relevant lender, to a satisfactory valuation of the property, and to the National Credit Act. Terms and conditions apply.

You are responsible for the accuracy and completeness of the information and documents you provide. Providing false or misleading information to a credit provider is a criminal offence.

You confirm that you are acting for yourself, or that you are duly authorised to act for the entity you represent.

Market figures, including the prime lending rate and the SARS transfer duty thresholds, are published here as at the date shown and are updated as they change. The prime rate shown is 10,50 percent, effective 28 May 2026, following the South African Reserve Bank repurchase rate of 7,00 percent.

You should confirm current figures before relying on them for a transaction.

The content, layout, design and code of this website belong to Equity Bond Home Loans or its licensors. You may view and print pages for your own use in connection with an enquiry or application. You may not republish, sell or systematically extract the content without our written permission.

Bank and lender names are the trade marks of their respective owners and are used here to identify the institutions to which we submit applications.

Where we link to another website, including a lender or an attorney, we do so for convenience. We do not control those sites and are not responsible for their content or their handling of your information.

We take reasonable care to keep this site accurate and available, but we do not warrant that it will be free of errors or uninterrupted.

To the extent permitted by law, we are not liable for loss arising from reliance on the estimates published here, or from any inability to access the site. Nothing in these terms limits any right you have under the Consumer Protection Act 68 of 2008.

These terms are governed by the law of the Republic of South Africa, and the South African courts have jurisdiction over any dispute arising from them.

Questions about these terms can be sent to info@equitybond.net.za or raised on 078 112 2333.