How long does bond approval take?

Most banks give an answer in 5 to 10 working days once your application and documents are in. We submit to multiple banks at once through our partner BestBond, so they compete for your rate instead of you waiting on one at a time.

When do I pay a deposit?

Not always, some buyers qualify for a 100% bond and pay no deposit at all. When one is needed, it is normally paid once your offer is accepted, into the transferring attorney's trust account, not to us or the seller directly.

What's the difference between a new development and an existing property?

On a new development you reserve directly with us and the price usually includes VAT, so there is no transfer duty to pay. On an existing property you sign an offer to purchase and, above a certain price, pay transfer duty to SARS. Occupation timing can differ too, ask us about your specific one.

How long does the whole process take?

From a signed offer to keys in hand, budget 6 to 12 weeks for transfer and bond registration once your bond is approved. Finding your home and getting pre-approved can be as quick as a few days.

How it works

From renting to keys in hand.

Buying your first home has more steps than anyone tells you. Here is the whole journey in plain language. Our service is free to buyers.

Check what you qualify for.

A free online check that takes about two minutes, no documents needed to start, and a soft credit check with no effect on your score. You get a certificate valid for around 90 days, so you know your real budget before you start looking.

Check what I qualify for You can start this step now, it is free.

Try the bond calculator

Woman checking her home loan pre-approval result on her phone at home

Find your home.

Browse homes in your budget. Every listing shows the estimated monthly repayment, not just the price. Viewings happen by appointment, and we come to you.

Browse homes for sale

Couple viewing a new home with a Kwantu Homes agent outside the front door

Make your offer.

For new developments, you reserve your unit directly with us. For existing properties, you sign an offer to purchase. Either way, we guide you through every form.

Buyer signing an offer to purchase with the agent pointing to the signature line

The bond application.

One application goes to all the major banks through our partner BestBond, so they compete for your rate. You will need your ID, payslips and 3 months of bank statements.

Man preparing his ID and bank statements for a bond application

The attorneys do their work.

Transfer and bond registration typically takes 6 to 12 weeks. You sign the documents, and we chase the process on your behalf so you do not have to. One difference worth knowing: on an existing property you may pay transfer duty to SARS, while a new development's price is usually VAT-inclusive with no transfer duty. Occupation timing can differ too, ask us about your specific one.

See what transfer costs to expect

A signed Deed of Transfer document ready for registration

Registration day.

The deeds office registers the home in your name, and you get your keys. On a new development your NHBRC warranty starts the same day.

Family holding up their new keys at the front door on moving day

Common questions

Quick answers about the process.

More questions? The FAQ page covers everything from credit scores to transfer costs.

New home at dusk in a Kwantu Homes development

READY WHEN YOU ARE

You know the steps. Take the first one.

Free pre-approval, about two minutes.

Start my pre-approval Chat on WhatsApp

Questions about the process? The FAQ answers the ones we get most.