Residential finance
A bond to buy a house, apartment or townhouse, whether it is your first home or your next.
A division of The Young Adviser
Home finance, explained properly.
We believe a well-informed buyer is a confident buyer. We teach you how bonds work, then we apply to every major bank and negotiate for the best rate on your behalf.
- Free to you
- All major SA banks
- Plain-English guidance
What we do
Finance for every stage of your property journey
Whether you are renting today, buying your first home or growing a portfolio, we guide the choice and handle the paperwork.
Buy-to-let
Funding for residential rental investments, structured with your long-term returns in mind.
Building loans
Finance to build new or renovate, released in stages as the work progresses.
Further loans
Borrow against the equity you have built in an existing bond as your property grows in value.
Refinance
Release equity tied up in a property that has no bond, or move your bond to a better deal.
Bridging and GAP finance
Cover the shortfall between what the lender offers and the total amount you need.
How it works
Five clear steps, no guesswork
Pre-approve
Create a profile and run your own free pre-approval, or let our team do it with you.
Send your offer
Share the signed offer to purchase so we can match it to bank criteria.
We apply
Your application goes to all the major South African banks.
Compare offers
See bank offers on your profile while we negotiate a competitive rate.
Accept and transfer
Accept your preferred offer online. Transfer and bond attorneys take it from there.
Calculators
Know your numbers before you view a house
Banks generally limit your instalment to about 30% of gross monthly income. Use these tools to see where you stand.
Estimated monthly repayment
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Learn with us
Education is at the heart of what we do
Home finance should never feel like a mystery. Start with these fundamentals.
First-time buyers
Getting bond-ready
Deposit, credit record and what banks look for before you apply.
CostsThe costs beyond the price
Transfer, bond registration and legal fees you should budget for.
ProcessWho does what
The roles of the agent, the bond originator and the transfer attorney.
HomeownersUsing your equity
Further loans and bonds on a paid-off property, explained.
My Home Finance
Built with passion. Focused on education.
About us
Simplifying home finance, one client at a time
My Home Finance is a division of The Young Adviser. We exist to educate and assist consumers at every stage of their property journey, because a client who understands their options makes better decisions.
We offer free pre-approvals, submit applications to all the major South African banks, and negotiate for a competitive interest rate and a finance structure that fits your life.
NedbankStandard BankABSAFNBInvestecRMBHIP
FAQ
Questions we hear every day
Does a pre-approval affect my credit score?
A pre-approval is designed to give you an early indication of what you may qualify for. Please ask us how the credit check is handled before you start. Formal applications to banks will involve full credit checks.
When is my application submitted to the banks?
Once we have your signed offer to purchase and supporting documents, we align the application to bank criteria and submit it to the banks.
What additional costs should I budget for?
Besides the purchase price, expect transfer costs (transfer duty or VAT, and attorney fees), bond registration costs, and possibly an initiation fee. Your adviser will give you an estimate for your situation.
Who chooses the transfer attorney?
In South Africa the seller typically appoints the transfer attorney, and the bank appoints the bond registration attorney. We keep you informed at each step.
How long does a property transfer take?
It commonly takes around two to three months from signed offer to registration, but timing depends on the bank, the attorneys and the Deeds Office.
What do the agent, originator and attorney each do?
The agent markets and sells the property. The bond originator secures and negotiates your finance. The attorney handles the legal transfer and registers the bond.
Can I get a bond on a property I already own outright?
Often, yes. Banks may lend against the value of a paid-off property, subject to affordability and credit assessment. Contact us to explore your options.
Ready to find out what you qualify for?
Free pre-approval before you make an offer. Start online or let our team guide you.
Contact
Let's talk about your next move
Send us a message and a bond originator will get back to you.
Email: info@myhomefinance.co.za
Office: [Add physical address]