Which Home Loan Application fits Your Needs?
Clearly defined home loan application options to match your needs.
Ordinary Loan
Used to buy a home only. Excludes legal or transfer costs. Offers flexible repayment terms and is ideal for buyers who already own property or have covered upfront fees.
Cost Inclusive Loan
Ideal for first-time buyers. This loan includes bond and transfer costs in your total loan amount, making it easier to buy with minimal upfront costs.
Building Loan
Perfect if you’re building from the ground up. This loan funds your new home’s construction in stages, with progress payments made as the build moves forward.
Further Loan
Use the equity in your existing home to unlock funds for renovations, upgrades, or major expenses. Enjoy quick approval and simple access to more funds.
Document Requirements
Not sure what documents you need? Here’s a quick guide to the documents typically required for a Home Loan Application based on your income type.
FIXED SALARY
- Valid South African ID or passport
- Latest 3 months payslips
- Latest 3 months bank statements
- A copy of the marriage certificate (if married)
- Copies of Rental Agreements (if any rental income is received)
- Latest 3 months bank statements where rental income is paid into (if any)
- A copy of the Offer To Purchase (OTP)
- A completed and signed application form
VARIABLE SALARY
- Valid South African ID or passport
- Latest 6 months payslips
- Latest 3 months bank statements
- A copy of the marriage certificate (if married)
- Copies of Rental Agreements (if any rental income is received)
- Latest 3 months bank statements where rental income is paid into (if any)
- A copy of the Offer To Purchase (OTP)
- A completed and signed application form
SELF-EMPLOYED
- Valid South African ID or passport
- Letter from auditor to confirm personal income
- Latest 2 years comparative financial statements (signed)
- Up-to-date signed management accounts
- Personal statement of assets and liabilities
- Your two year IT34 from SARS
- Latest 6 months business bank statements
- A copy of the Offer To Purchase (OTP)
- A completed and signed application form
Ready to Start Your Home Loan Application?
Start your Home Loan Application today and move one step closer to owning your home.
How We Help You Get
the Best Home Loan in South Africa
At BestBond, we make home financing fast, simple, and stress-free. Here’s how we help you get the best home loan deal:
One Application, Multiple Offers
Receive offers from top banks with just one form.
Save Time & Effort
No need to apply to each bank individually; we handle it.
No Cost, No Obligation
Our service is 100% free, with zero obligations.
Expert Negotiation
We secure competitive interest rates for you.
Frequently Asked Questions
How long does the home loan application process take?
Applications typically take 3-5 business days for bank responses. We’ll keep you updated throughout.
Can I apply for a home loan if I’m self-employed?
Yes, self-employed applicants can apply. Banks will require additional documentation to confirm your income.
Where can I update my credit bureau details before my Home Loan Application?
You can update your credit information directly through trusted bureaus such as TransUnion, Experian, or Compuscan. Ensuring your details are current will help streamline your home loan application process.
What documents do I need for my home loan application?
You’ll need your ID, proof of income, bank statements and the property purchase agreement. Specific cases may require additional documents.
Is my personal information secure during the application?
Absolutely. BestBond uses industry-standard security protocols to protect your personal data throughout the application process.
Where can I find tips and advice before starting my Home Loan Application?
Visit our Bond Talk page for practical tips, expert insights, and helpful advice to guide you through your home loan journey.
