Better Value Bonds
Getting you better value
One application. Multiple banks. Lowest interest rates. We take the hassle out of getting a home loan — and it costs you nothing.
With over 16 years of banking experience, we take the hassle out of the home loan process. Instead of completing separate applications and dealing with different consultants at every bank, we manage the entire process on your behalf — keeping you informed at every step while working to secure the most suitable home loan for your needs.
Whether you're:
We're here to make the journey as smooth as possible.
No need to complete separate applications for each bank — we do it once, and send it everywhere.
We negotiate on your behalf by making the banks compete for your business.
Our service comes at absolutely no cost to you — ever.
We handle the paperwork, submissions, follow-ups and negotiations, start to finish.
Six steps from first conversation to keys in your hand.
A quick, no-obligation chat about your goals, income and what you can comfortably afford.
We tell you exactly what each bank needs, and help you gather it — no guesswork.
One application, submitted to multiple banks at once, so you're not starting from scratch each time.
We compare every offer and push each bank for the best possible interest rate.
You choose the best offer; we explain the fine print in plain language before you sign.
We coordinate with the conveyancing and bond attorneys through to registration — typically 8–12 weeks.
Estimate your monthly repayment, transfer duty and the cash you'll need to close — using current South African rates and SARS transfer duty brackets.
The government support and cost-saving mechanisms most buyers only find out about too late.
FLISP — now officially called First Home Finance — is a once-off, non-repayable government subsidy for first-time buyers in the "gap market": people who earn too much for RDP housing but still find it hard to qualify for a full home loan on their own.
To qualify, you generally need to:
The subsidy is paid directly to your bank, not to you, and is typically used to reduce the bond amount you need — which lowers your monthly repayment for the life of the loan. Try your income in the calculator above for an estimate, or ask us to check your eligibility.
Transfer costs catch many first-time buyers by surprise. A few ways to reduce the bill:
We'll give you a personalised checklist once we know your situation — no need to guess what each bank wants.
Use the calculator above to get a feel for these numbers before you make an offer.
From a signed Offer to Purchase to registration in your name, most transactions take around 8 to 12 weeks, depending on bond approval speed, municipal clearance, and how quickly documents come together. Building on your own land or buying off-plan can take considerably longer.
Tell us a bit about your situation and we'll come back to you personally — no obligation, no cost.
Ashwini Deosaran — Independent Bond Originator, Better Value Bonds.
We'll call or email you within one business day to confirm the details.
We'll let you know which banks you're likely to qualify with, and what rate to expect.
If you're ready, we submit your application to multiple banks at once — at no cost to you.