Services

Bond origination, structured around how you actually earn.

Propdex Bonds gives you access to 5 major South African banks through our origination network. We prepare one complete application, place it with the lenders best suited to your profile, and work to secure the most competitive offer available to you.

01

Prequalification

Know exactly what you can afford before you make an offer, and shop with a certificate that sellers and agents take seriously.

  • Affordability and credit health review
  • Deposit and bond-cost planning
  • Prequalification certificate for agents
02

Bond origination

We package one application and, through our origination network, submit it to the relevant major lenders and manage the offers that come back on your behalf.

  • Single application, access to multiple major lenders
  • Rate and LTV negotiation on your behalf
  • Progress tracking to grant and registration
03

Self-employed & company finance

Business owners, directors and trusts need a different application story. We build it with your accountant before it reaches a credit desk.

  • Financials and drawings presentation
  • Entity, trust and company structuring
  • Lender-specific policy matching
04

Building loans

Finance a build from plans to final draw, with NHBRC and municipal documentation handled up front so draws are not delayed.

  • Plans, quotes and schedule of finishes review
  • NHBRC enrolment and registration checks
  • Draw-schedule guidance
05

Switch & equity release

Already own property? Move your bond to a better rate, or unlock the value you have built up as usable cash.

  • Rate switch comparison across banks
  • Further-advance and re-advance applications
  • Cost-vs-saving breakdown before you commit
06

Non-residents & expats

South Africans earning abroad and foreign buyers face deposit and exchange-control rules. We match you to the banks that lend on them.

  • Foreign income assessment
  • Deposit and exchange-control guidance
  • Specialist non-resident lending desks

What working with us looks like

01

Consult

A short call to understand the deal, your income structure and your timeline.

02

Package

We assemble a complete, bank-ready application so nothing bounces back for missing documents.

03

Compare

One application gives you access to multiple major lenders. You see the offers side by side.

04

Negotiate

We compare the offers and, where possible, negotiate with participating lenders for improved rates and loan-to-value terms on your behalf.

05

Register

We stay on the file through grant, attorneys and registration.

Not sure which route fits?

Send us the deal and your income structure. We will tell you what the banks will want to see.