No personal interviews or embarrassing questions! All applications are done via email or our online systems.

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Applying for a bond Gather all the relevant documents required to apply for a bond when your Offer to Purchase contract is accepted. Choose a Southern Money as your bond originator to apply for a home loan at various financial institutions.

Documents Required • Proof of income • Copy of your South African ID or passport • Copy of signed Offer to Purchase • Proof of current residential address • Official salary slip or stamped bank statement (either option needs to show history for the last 3 months)

To qualify for a home loan you have to: • Be over the age of 21 years. • Be employed permanently for a minimum of 6 months • Have no judgments or defaults against your credit profile • Earn the minimum salary requirement

Bank Approval: The Bank will approve the loan subject to a property valuation, and subject to meeting all the credit and FICA requirements. This valuation is done to ensure the Bank that the property being purchased reflects its true value. Applications usually takes between three and seven working days.

To Apply is free of charge. Just do it!

Southern Money Bond Origination Services