Finding the perfect home

Nope! You pay nothing. Niks. Nada. Our service to you is completely free of charge

You can leave it all to us. We’ll track the application for you and keep you in the loop at all times.

We help every type of homebuyer –first, second or third! And investment property buyers too. But here's a helpful insight for first-home buyers: In some cases, you may qualify for transfer and registration attorney fees to be discounted or even included in the bond amount.

Homes are our thing – our only thing. We specialise in residential property and not property purchased for commercial or business-related activities.

BetterBond can happily help you with the following types of applications:

• Residential homes, flats, townhouses, new developments, etc.
• Unbonded properties – where you have the title deed of the property and would like to apply for a bond on this property (with no bond currently in place)
• Building loans for residential premises
• Vacant land that will be used for residential purposes
• • Residential farms smaller than 20ha

Whether your residential home loan applications are in your personal, business or legal entity names (company, cc, Pty, trusts), we can help you out.

Ja. Oui. Da. Yebo. That’s a big ‘yes’, in any language. We can happily help foreigners and non-residents wishing to purchase property in South Africa. You will simply need to comply with South African legislation. Banks here will apply their own LTV restrictions on the application.

If you want a home in your home country, we are here to help. BetterBond can guide you through the process while you’re abroad. All you require is a South African bank account and a good credit record. A deposit may also be needed.

Yes! Depending on your need, we can assist with:

• Individual applications – where you apply alone, are single or are not married in community of property
• Joint applications (two individuals) - you may wish to apply with your partner, friend or parent. (Remember, if you are married in community of property, by law you will have to apply with your spouse.)
• Multiple applications (three (3) or more individuals)

Just remember, when there is more than one applicant, each of you will need to have a solid credit record. And all your finances will be taken into consideration by the banks.

Yes. We’re here to help you build your dreams. We can assist you with a building loan.

Here’s what you’ll need:

• An offer to purchase (OTP) or the title deed of the land you want to build on
• Approved building and municipal plans
• A certificate from the builder who is registered with the National Home Builders Registration Council (NHBRC)
• A building quotation detailing the costs to build
• A signed building contract with the builder

It’s a bit of a mouthful, but FLISP stands for the South African government's Finance Linked Individual Subsidy Programme. The FLISP subsidy amount depends on your monthly income. FLISP either brings down the initial home loan amount, making monthly instalments more affordable, or makes up the shortfall between the home loan amount you qualify for and the purchase price of the residential property you want to buy.

You can apply for FLISP if:

• You are a first-time homebuyer and want to purchase a residential property
• You earn between R3 501 and R22 000 per month
• You’re a South African citizen with a valid ID or a permanent resident with a valid permit
• You are over 18
• You have never had a government housing subsidy or been part of a housing subsidy scheme before
• You have an agreement of sale for the residential property, and an Approval in Principle of a home loan from an accredited South African bank

Qualifying applicants may use FLISP to do one of the following:

• Buy an existing, new or old residential property
• Buy a vacant residential stand that is linked to a builder registered with the National Home Builders Registration Council (NHBRC).
• Build a residential property on a serviced residential stand or tribal stand. Again, the builder will need to be NHBRC registered.

Getting your big break as a homeowner is a carefully managed process. Once the bank has granted your home loan, you submit your FLISP application, together with your supporting documentation, to the NHCF. If your home loan application is approved, the FLISP application will be processed. If the FLISP outcome is positive, the subsidy will be granted. This would be a good time to celebrate!

Yes and no. You do not need to have an offer to purchase or agreement of sale in order to pre-approve, but you do need one to apply for a home loan.

Our pre-approval service allows you to understand what you can afford so you can shop around with confidence. We’ll verify and vet your income and expenses, and issue you with a certificate that lets you know exactly how much you can afford to buy for.

Once you’ve found that dream home, you simply sign the offer to purchase and send it through to us. One of our bond experts will help you through the entire home-buying journey.

With just a single application form and some supporting documents, your personal BetterBond consultant will submit your application to multiple banks, including your own, they’ll negotiate the best terms, and present you with all the options. You can then compare offers and make an informed decision, based on what works best for you.

Indeed, we do. Whether it’s for a home or for an asset, we’ll still find you the deal that works best for you.

Yes, we can help you apply for home refinance.

A verified pre-approval certificate will give you a good idea of what you can afford, and the type of offers you could expect to get from the banks. Plus, a pre-approval certificate increases your chances of bond approval by up to 90%! It will also let the seller know that you are a serious buyer. And best of all, our pre-approval certificate is absolutely free. That’s right! You pay nothing.

No - our credit check is free and leaves no footprint

Sectional title speaks to complex living, where you essentially own everything within the four walls of your property, but whatever is outside that – hallways, lifts, gardens and recreational spaces – is communally owned and cared for. With freehold title, in contrast, you’re the queen or king of your complete kingdom – house, out-buildings, land and leisure areas.

Free-standing houses, cluster homes, residential properties used for small businesses, smallholdings.

Semi-detached homes, townhouses, flats/apartments, duet houses.

It almost always makes more sense to buy rather than rent a home, simply because, as a tenant, you’re paying monthly into another person’s pocket what you could be paying into your own bond account.

Pre-approval actually speeds up the home-buying process: it gives you an accurate measure of your purchasing power, so you can narrow down your hunt to the properties you can actually afford to buy. And this will also prevent you from buying way beyond your budget, pushing you into unmanageable debt.