Buying a home?
Let's get you the Best Deal!
From figuring out what you can afford to applying to all the banks, FreeBond is with you every step of the journey.
Where are you in your home-buying journey?
Choose where you are right now. FreeBond will guide you to the exact next step.
QuickCheck
See what you can afford.
Enter a few figures and get an instant indicative home-buying range.
Let's work it out.
Move the sliders and we will show your indicative home-buying range instantly.
Total gross (before-tax) household income per month, both applicants combined.
Your total net (after-tax) take-home household income per month — both applicants combined.
Cars, credit cards, loans & fixed repayment obligations — not groceries or utilities.
Cash you can put down upfront. A 10–20% deposit often improves your rate and approval odds. Enter 0 if none.
Model a rate between 7% and 18%. Try Prime minus 0.5% (10.25%) for a strong offer. Source: SARB MPC decision of 23 Sep 2026 (SAnews), effective 25 September 2026. Illustrative, not an offered rate.
Indicative home-loan amount / approximate buying range
You could potentially look at homes around this value
Indicative only. Based on the information you enter and the assumptions shown. This is not a loan approval or formal pre-approval. Bank credit criteria, credit score, and property valuation apply.
Ready to turn your QuickCheck into a formal pre-approval?
Choose how you'd like to continue.
We will never pressure you, we never charge you a buyers fee. We will help package your application to present your best profile to the banks.
Choose how you'd like to continue
Pick a route above. Formal pre-approval is free and digital-first, and there's no credit-check footprint for the initial inquiry.
Found a home? Know the deal before you offer.
Get a Deal Check and a personal Property Strategy: price reality-check, negotiation range and a bank plan.
Play with the numbers before you make a huge decision.
Test scenarios in seconds. What happens if rates rise? If you pay R1,000 pm. extra? Or if you negotiate 0.5% pa. off your rate?
What would my repayment be?
Standard 20-Year BondThe asking price or value of the property you're modelling. Type an exact amount or drag the slider.
Cash upfront — currently 10% of the price. A bigger deposit lowers your bond and often your rate.
FreeBond's Scenario Insight
Real-timeBased on a bond of R 1 620 000 at 10.75% over 20 years.
We've got the buyer's back.
Most bond origination feels like high-volume bank processing. FreeBond is designed around the person actually buying the home.
Apply once
One streamlined digital application instead of filling out separate forms for each South African bank.
Appropriate banks
Submitted to suitable lenders based on your financial profile, employment type and property category.
Help understanding offers & rates
Banks speak bank. We translate interest rates, loan-to-value ratios, and conditions into plain English.
Buyer tools & practical guidance
Interactive scenario modellers, affordability tests, and realistic deposit calculations at your fingertips.
Support through the bond journey
We stay in your corner from pre-approval through OTP, valuation, attorney instructions and registration.
100% free to the buyer
Lenders remunerate FreeBond upon successful bond registration. Our advice and tools never cost you a cent.
Not ready to apply yet?
No Problem.
Get your personalised FreeBond Buyers Programme and let us help you get bond ready.
Get practical tools, guides, and checklists so when the right home appears, you are 100% prepared.
Get your home-buying roadmap today.
No bank sales reps, no unwanted phone calls. Just smart South African home-buying tools and guidance.
How the bond journey unfolds.
FreeBond will assist you with expert advice and guidance. From the first calculation to registration of the transfer, FreeBond is with you every step of the way.
Check
Run QuickCheck to gauge your buying range in seconds.
Prepare
Get formal pre-approval and your documents in order.
Apply
Submit one application through FreeBond to the banks.
Banks Respond
Banks issue formal quotes and interest-rate offers.
Compare
We help you compare offers and negotiate better terms.
Registration
Conveyancers register the bond — keys in hand!
Honest answers to frequent questions.
No bank jargon or dense legal clauses. Straightforward guides for South African property buyers.
Home loans have changed. Having someone on the buyer's side shouldn't.
FreeBond has been helping South African home buyers with home finance since 2004. Today, under new ownership, we're building the next chapter around the buyer — combining personal home-loan support with useful digital tools, clear guidance and a simpler way to deal with the banks.
Good support makes all the difference.
Made the whole home buying process much easier for us. Thank you!
Always available, always helpful and friendly, the service was outstanding.......
FreeBond helped me navigate through a tricky double application, what a pleasure it has been doing business with them......
Quick, informative and a huge help.......
Great one on one service, and a much better rate negotiated........
Where are you in your home-buying journey?
Whatever step comes next, the FreeBond team have your back.
Run QuickCheck
Get an instant indicative home-buying estimate in 30 seconds
Get pre-approved
Turn your estimate into an official buyer pre-approval
Explore buyer tools
Model interest rate changes, extra payments & transfer fees
Join the Buyers Programme
Get guides, checklists, and regular guidance from Bond
FreeBond is an independent home-loan origination facilitator for South African property buyers.
QuickCheck calculations and scenario modellers are indicative only and do not constitute credit assessment, financial advice, or formal loan approval. FreeBond is not a bank, registered credit provider, attorney, or conveyancer.