Take the Next Step Toward Home Loan Pre-Approval
Choose how you’d like to move forward with your Home Loan Pre-Approval.
Do It Yourself Online
Get pre-approved online in minutes. Check your affordability instantly and start house hunting with clarity.
Start Online Pre-Approval
Speak to an Expert
Prefer guidance? Our experts will assess your profile, explain your options, and guide you every step of the way.
Give us a Call
Explore and Learn
Want to understand more before you decide? Read insights, tips, and market trends to help you feel more confident.
Explore & LearnHome Loan Pre-Approval gives you an
edge in South Africa’s Property Market
Home Loan Pre-approval gives you clarity, speed and helps your offer stand out in South Africa’s competitive property market.
Faster Decisions
Know your price range upfront. No time wasted on homes outside your budget.
Expert Guidance
We guide you through it — simple, online and stress-free.
Stronger Offers
Show sellers you’re ready! Pre-approval proves you’re a qualified, serious buyer.
Clarity & Control
Understand your affordability before committing to anything.
Ready to Stand Out as a Serious Buyer?
Get pre-approved in minutes — it’s free, quick, and helps your offer rise above the rest.
Frequently Asked Questions
What factors affect my home loan interest rate?
Your interest rate depends on several factors, including your credit score, loan amount, repayment term and the type of loan. Lenders also consider economic conditions and risk assessments when determining rates.
Will this affect my credit score?
We do a soft credit check that won’t impact your credit score.
How long is a pre-approval valid?
Our Home Loan Pre-Approvals are valid for 90 days, after which you’ll need to renew by sending us your updating your financial information. We will then issue you with a new Pre-Approval letter.
Can I still get guidance without starting the process?
Yes! You’re welcome to use our home loan calculators or visit our Bond Talk page for helpful insights, tips, and updates to boost your confidence.
Do I need a deposit to get pre-approved?
Not always. We’ll check if you qualify for 100% financing — deposit optional.
What documents do I need?
Typically we need your ID, recent payslips, 3 months’ bank statements and consent to do ITC.
Does pre-approval guarantee home loan approval?
No, pre-approval is not a final guarantee. It means you meet the initial criteria, but final approval depends on factors like a property valuation, updated documents and bank verification. Still, it puts you in a much stronger position when making offers.
Do you use all credit bureau for pre-approval checks?
No. BestBond currently uses TransUnion for credit checks during the pre-approval process. However, it’s important to know that banks may also use different bureaus when evaluating your full application. This means your credit score might differ slightly depending on the bureau each bank uses.
