For South African estate agents

Get your buyers pre-approved
in 2 minutes.

Submit bond applications directly to all major SA banks, track every client's approval status, and manage your pipeline from one portal. Your buyer keeps their cashback — you keep the deal moving.

7
Banks, one application
2 min
Pre-approval result
R5 000
Buyer cashback*
Quick Pre-Approval Check

Capture your client's details and get an instant indication.

Submitted to Standard Bank, Absa, FNB, Nedbank, Investec, SA Home Loans and Housing Investment Partners.

One application, submitted directly to every major SA bank

Standard Bank Absa FNB Nedbank Investec SA Home Loans Housing Investment Partners
How it works

Four steps from viewing to registration

We take the stress out of home financing with fast digital approvals and personalised support.

01
Capture the client

Income, purchase price, contact details. Two minutes in the portal or on the website form.

02
Instant pre-approval

Your buyer knows their buying power before they view another property.

03
Banks compete

One application goes to multiple financial institutions simultaneously so they bid for the bond.

04
Registration & cashback

Best rate accepted, bond registered, and your buyer gets up to R5 000 back.*

Agent benefits

Built for the agent, not the bank

Log in to submit bond applications, track your clients' approval status, and manage your pipeline seamlessly.

Commission on every registration
Paid out on successful bond registration, on top of your sales commission.
Live pipeline visibility
See where every application sits, per bank, without chasing a consultant.
A dedicated consultant
One person who knows your deals, your clients and your deadlines.
Calculators

Bond & affordability calculators

Show your buyer the monthly number while you are standing in the kitchen, or work backwards from their income to a realistic price bracket.

Repayment — from a purchase price to the monthly instalment.
Affordability — from income and commitments to a maximum price, including estimated transfer and bond costs.
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Maximum purchase price
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Max monthly instalment
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Bond {{ maxBondLabel }} · capped by {{ capReason }}
Transfer duty{{ transferDutyLabel }}
Transfer & conveyancing fees{{ transferFeesLabel }}
Bond registration costs{{ bondCostsLabel }}
Cash needed up front{{ cashNeededLabel }}
Estimate only. Banks allow roughly 30% of gross income towards a bond instalment and assess affordability on net income after debt and living expenses. Costs are indicative, including VAT, and exclude rates and levies.
Start a pre-approval
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Monthly repayment
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Bond amount
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Min. gross income {{ incomeLabel }}
Estimate only, before rates, levies and insurance. Your final rate is negotiated with the banks on application.

Get up to {{ cashbackAmount }} cashback*

Your buyer gets rewarded when their home loan is successfully registered through Agent Direct Bonds. One more reason to send the application our way.

Start a pre-approval
*T's & C's Apply.
FAQ

Questions agents ask us

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Ready to submit your first application?

Register once and submit to every major bank from one login.

Contact an originator
Chat to us
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Agent Direct Bonds

Agent Portal

Log in to submit bond applications, track your clients' approval status, and manage your pipeline.

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