Guide to refinancing your bond

If you're thinking about effective ways to release cash, reduce monthly expenditure and improve your financial position, consider these simple steps toward refinancing.


1. Arm Yourself with Info

  • With our handy Refinance Calculator you can get a detailed breakdown of what we may be able to offer you.

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2. Choose an Application Option

  • Apply online with your details and we will contact you.
  • Call our Sales Contact Centre on 0860 2 4 6 8 10 to discuss your home loan solution needs with one of our specialist consultants.
  • Contact a branch nearest you - meet face to face with a specialist consultant to discuss your home loan requirements.

3. Send us Your Documentation

4. Property Valuation

  • An expert appraiser will arrange an appointment to value the property.

5. Evaluate and Sign a Letter of Acceptance (LOA)

  • Subject to the credit approval, we'll prepare a home loan proposal, called a "letter of acceptance", which details the costs, interest rate, indicative installment and other important information, for you to evaluate and sign.

6. Quick Cash Payment

  • Remember, you have the option of applying for rapid bridging finance if there is equity in your home.
  • If you choose this option, you may qualify for up to R 75 000 Cash Up Front payment within 72 hours with the balance of up to R150 000 paid out once you have signed your legal documentation.

7. Conveyancing

  • Our national panel of attorneys will prepare all the necessary bond registration documents and will make an appointment with you to sign them.

8. Lodgement

  • Lodging your bond registration is the next step and happens immediately after you sign your documentation at the attorney.

9. Await Registration

  • Registration of your bond at the Deeds Office will take approximately 12 weeks.

Once your home loan is registered we will continue to provide you with personalised service and attention, to ensure that you get the most from your home loan throughout the life of your bond.

What documentation is required for SA Citizens, SA Citizens living abroad & Foreign Nationals?

Contact one of our specialist consultants to find out how we can help get you started.