Services

Everything the deal needs, handled in one place.

Most originators do one thing. We arrange the finance, prepare the financials that the finance depends on, insure what the bank asks you to insure, and release cash to sellers stuck waiting for transfer.

Start an application Speak to an originator

A modern South African home with a pool and garden

We submit to all six

A family home with a swimming pool and a brick lapa in the back garden

Home loans

We take a single application and place it with Standard Bank, Absa, Nedbank, FNB, Investec and SA Home Loans on the same day. Each bank prices the deal on its own appetite, then we go back and push for a sharper rate on the strongest offer. You compare the results side by side and sign with the bank you prefer.

Who it is for: First-time buyers, repeat buyers, buy-to-let investors
Turnaround: Submitted within 24 hours of a complete file

Full detail on home loans

Modern commercial office towers near the waterfront

Commercial and industrial finance

Commercial property is priced on the asset, the lease and the borrower, and every bank weighs those three things differently. We package the deal properly, present the numbers the way a credit committee wants to read them, and place it with the lenders most active in that asset class.

Who it is for: Business owners, property investors, developers, body corporates
Turnaround: Indicative terms typically within five to ten working days

Full detail on commercial and industrial finance

Hand holding house keys with a house-shaped keyring

Bridging finance

Transfer in South Africa routinely takes eight to twelve weeks. Bridging finance releases a portion of your proceeds early, so you can pay a deposit, settle rates and taxes, cover a move or fund the next purchase without waiting for the deeds office.

Who it is for: Sellers awaiting transfer, estate agents awaiting commission
Turnaround: Funds released in as little as 48 hours once documents are in

Full detail on bridging finance

Financial statements, a calculator and a laptop on a desk

Accounting and tax advisory

Self-employed applicants are declined for presentation as often as for affordability. Our advisory desk works on the financial statements, the tax position and the drawings history, so the numbers a credit assessor sees actually reflect the income you earn.

Who it is for: Sole proprietors, company directors, commission earners, contractors
Turnaround: Most files are lender-ready within two to four weeks

Full detail on accounting and tax advisory

Front porch of a comfortable family home

Insurance advisory

Banks require building insurance and, in most cases, life cover ceded against the bond. You're not obliged to take the bank's own product. We quote the market on both, show you what the difference costs across the life of the loan, and handle the cession paperwork either way.

Who it is for: Every bonded homeowner, plus commercial borrowers
Turnaround: Comparative quotes within two working days

Full detail on insurance advisory

Two property professionals shaking hands outside an office building

Estate agent partnerships

Agencies lose sales to finance far more often than to price. We work as the finance desk behind your agency: pre-qualifying buyers before show day, keeping you informed on every application in your pipeline, and advancing commission on lodged transfers.

Who it is for: Independent agencies, franchise offices, principals, rental portfolios
Turnaround: Pre-qualification results the same day, in most cases

Full detail on estate agent partnerships

Who we work with

Every buyer type needs different preparation.

A bank that's generous with a salaried first-time buyer can be the wrong choice entirely for a company director drawing dividends. Knowing that difference is the job.

First-time buyers

Full one hundred percent bonds are still granted. We tell you what you qualify for before you fall in love with a house, and we show you the transfer costs nobody warned you about.

Work out affordability

Self-employed and business owners

Two years of financials, clean management accounts and a current SARS position. Our accounting desk prepares the file before a credit assessor ever sees it.

See how we prepare a file

Commercial and industrial buyers

Owner-occupied premises, tenanted investment stock, warehousing and factories. Structured properly, placed with the lenders active in that asset class.

Commercial finance

Estate agents and agencies

Pre-qualify buyers before show day, get weekly pipeline reporting on every deal in your office, and draw commission on lodged transfers.

Partner with us

Ready when you are

Find out what you qualify for, before you make an offer.

Send us your details and an originator will call you back, usually the same working day. There's no cost and no obligation, and nothing goes to a bank until you say so.

Call us078 112 2333 WhatsApp078 112 2333 Emailinfo@equitybond.net.za