Your Guide to Affordable Home Financing in South Africa
A valid South African identity document or valid work permit for foreign nationals.
Recent payslips (3 months), bank statements (6 months), and employment confirmation letter.
A clean credit history improves your chances of bond approval and better interest rates.
✓ Expert Guidance
Our experienced team guides you through every step of the home loan application process.
✓ Multiple Bank Submissions
We submit your application to multiple banks to secure the best possible interest rates.
✓ Free Consultation
Your initial consultation is completely free with no obligation to proceed.
✓ Fast Approvals
We streamline the process to get your bond approved as quickly as possible.
Certified copy of SA ID
Marriage certificate (if applicable)
Proof of residence
3 months latest payslips
6 months bank statements
Employment confirmation letter
Tax returns (if self-employed)
Sale agreement (if signed)
Property valuation report
Bond cancellation quote (if applicable)
Q: What is the minimum deposit required for a home loan?
A: In South Africa, most banks require a minimum deposit of 5% to 10% of the property purchase price. However, some programs allow for 100% bonds (no deposit) depending on your credit profile and the property value.
Q: How long does the bond application process take?
A: The process typically takes between 2 to 8 weeks from application to final approval, depending on the bank and complexity of your application. With Ndzhaka Real Estates, we expedite the process.
Q: What affects my credit score for a home loan?
A: Payment history, outstanding debts, credit utilization, length of credit history, and recent credit enquiries all affect your credit score. We can help you improve your score before applying.
Q: Can I apply for a home loan if I am self-employed?
A: Yes, self-employed individuals can apply. You will need to provide tax returns, financial statements, and bank statements for the past 2-3 years to verify your income.
Q: Do you charge fees for your services?
A: Our initial consultation is completely free. We only charge a success fee upon successful bond registration. This means you only pay when we deliver results.
Need help? Chat with us on WhatsApp | Call: 079 893 5912