Rating based on 51 reviews

Bond Buddy

  • Home loans up to R10,000,000
  • Low-interest starting from 8%
  • Repayment up to 30 years

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Author Bond Buddy. Screenshot of Bond Buddy website.
[Accessed January 31, 2023]

Bond Buddy - Easy reliable home loans

Bond Buddy is a unique company that consists of a highly skilled team of bond originators, financial specialists and conveyance attorneys.

Their company is backed by one of South Africa’s most trusted bond networks and with their combined expertise they are in the position to get you what you need as quickly as possible. Their unique company has grown by 200% in the last 2 years.

Home loans

So you have decided to start looking for a home, and then you realise that your savings might not be enough for you to buy your dream home and that you will need a home loan. Bond Buddy is there to help you get your home loan application approved so that your dream home can become a reality. Bond Buddy specialises in everything to do with home loans, making them the most convenient choice. If you apply to them, they will help you secure the finance you need in the fastest time possible.

How does it work?

By partnering with all the major banks, they are able to offer a variety of products with different payment terms and rates to suit your individual requirements and your pocket.

They offer a variety of different loan options. These include:

  • Variable rate loans – this loan rate is based on the prime interest rate and can increase or decrease
  • Fixed-rate loans – these loans have a fixed rate and will not change even if the prime interest rates change 

They will be able to assist you in arranging loans for:

  • Residential property
  • Cluster housing
  • Townhouses
  • Flats
  • Duet houses
  • Smallholdings 

They have a wide range of loan options

Their ordinary home loans can be used to buy immovable property or vacant land.

Loans on existing bonds

This type of loan can be taken out on an existing bond. The property owner will apply for a personal loan on their funds against their bond. The bank will grant funds if there is enough equity in the property. The funds can then be used however you wish, but are usually used for home improvements.

Building loans

A building loan is granted to build your dream home on a piece of vacant land. You will first need to secure a mortgage bond and the funds will only be advanced after the relevant bond has been registered.

Loans on your existing bond

This loan is taken against the bond that you already have and can be used to pay for additional building work, alternations or repairs. The value of your property will need to be increased by the improvements and the bank will need proof of this. If there isn’t enough equity in the property a new bond will need to be taken and registered.

Who are they able to assist?

They are able to assist you in buying your first home, moving to a new home, building your dream home from the ground up or securing additional funds on your existing bond. They can assist you with a mortgage if you are:

  • A first-time buyer
  • You are an established buyer
  • You are an SA citizen
  • Full-time employee
  • If you are self-employed
  • If you form part of a trust
  • All forms of business
  • If you are looking for affordable housing

Bond Buddy – Home loan

  • Loan Type Home loans
  • Interest Rate 814% p/a
  • Loan Amount up to R10,000,000
  • Repayment 12 months to 30 years

Benefits of Bond Buddy

  • 100% free service
  • Access to the best home loan rates
  • Compare quotes from major banks

Bond Buddy - The easiest way to get a home loan

They will make the purchasing process as easy as possible for you.

Step 1 - application

The first step to making your dream home a reality is to start the online loan application process.

It is advisable to start the application process before you start looking for a home so you can look for a home within your budget range. You can use the easy application form on their website to apply.

If you have already found your dream home, you will need to submit a purchase offer to the seller. If the seller accepts your offer, they will need to sign the purchase offer (contact them before you sign so that they can help make sure you are given the best deal possible and warn you of any pitfalls) once they have settled on a purchase offer, they will be able to provide you with discounted rates on your bond transfer costs.

Step 2 - consultation

The next step will be to arrange a consultation with one of their experts who will then discuss your application. You will need to provide all the necessary information that the banks may require.

Step 3 – supporting documentation

The consultant will ask you for any relevant supporting documentation that you will need to submit to the bank.

Step 4 – submit your application to the bank

Once they have checked all of our supporting documentation, they will help you submit the documents to the bank for urgent processing.

Step 5 – lending decision (letter of acceptance)

Once you have applied to the bank, they will then review your application and make a decision based on your affordability. They will access your credit profile and if you are determined low risk, your application will be approved.

Once your application has been approved, you will be issued a letter of acceptance. This letter will include a quotation of the finance they are willing to offer. It will provide the agreed-upon interest rate, repayment terms and monthly instalment amounts as well as any other relevant important information. Once you have reviewed this letter you will be asked to accept it.

Step 6 – conveyance

Once you have signed the letter of acceptance an attorney will be appointed by the bank to handle the bond registration process. You must then sign the registration documents.

Step 7 – uploading documents

The attorney will then lodge the bond documents at the deeds office and transfer the property accordingly. You will also be asked to handle all the other relevant paperwork where applicable.

If relevant you may be asked to pay a deposit to the transferring attorney who will then hold these funds in a trust until the property is legally transferred into your name. You will be required to pay transfer duties – this is the compulsory government tax to pay the receiver of revenue. This is normally the highest cost in the purchasing process.

Step 8 – registration of property

Once the lodgment has taken place the registration of the property will be completed within 7 to 10 working days. The bank will then charge you a bond registration fee, which is calculated based on the amount of your home loan (this amount includes stamp duty) the attorney will use this money to register the property and pay the receiver of revenue.

Step 9 – move in and enjoy your new home

Once all the relevant fees have been paid and the home is officially yours, you will be able to move in and enjoy your new dream home.

Customer Reviews & Testimonials

February 2019

For a fast and reliable home loan Bond Buddy is definitely your BFF. I was able to finance my home through them without the muss and the fuss. Thanks Bond Buddy!

Miriam S
— Vereeniging —

April 2019

Because Bond Buddy partners up with other banks they have access to better home loan options than most of the regular lenders. I will highly recommend them for their flexibility and versatility.

Meiring J
— Vanderbijlpark —

November 2018

I needed to do some renovations on my home and did not want to take out an additional loan so I simply asked to take out some more money on my existing bond. This works out better for me and ever...

Stacy W
— Petermaritzburg —

September 2018

With a pre-approved loan from Bond Buddy I was able to search for my new dream home in comfort knowing that I have the money in my pocket when I want to use it. Thanks for taking a load off BB!

Calvin R
— Plettenbergbay —

Bond Buddy Contact

Contact Number

  • not available



Physical Address

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed