Mortgage Guide

- Choosing a mortgage is one of the most important financial decisions you will ever make.

Bond Busters is South Africa’s leading independent mortgage broker. We only have one client – that is the homebuyer. We work independently from banks, estate agents and developers so there is no conflict of interest. As we are completely independent for mortgages, you can be assured that we will search the market on your behalf and that once we have found the right mortgage for you we will negotiate with the lender for the best interest rate possible.

This is purely for an overview, if you have any specific questions at any point please contact a mortgage consultants to discuss. The consultant you speak to will be your personal mortgage consultant to guide you through the finances of your property purchase from conception through to transfer.

The property you are planning on purchasing is likely to be your biggest asset and your biggest liability. This is not a decision to be taken lightly or without thorough research. Follow the step by step guide below to fully understand the process.

Who is this mortgage guide for?

  • First time buyers – Those who don’t own property and are looking to buy one.

  • Self Employed individuals – After the introduction of the National Credit Act on the 1st June 2007 it has become far more important for self employed individuals to speak to an independent mortgage broker in order to maximise your chances of a successful application.

  • Poor credit history – Previously those with poor credit history were simply shut out of the mortgage market. Given the recent credit crisis Bond Busters has helped a number if client navigate the road to recovery from bad credit with specialist non-lending debt solutions.