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BondExcel Independent Mortgage Originators | Licensed with Leading Banks | Helping Clients Secure Home Loans

Taking the time to understand a client's priorities and financial position before applying for a home loan minimises tim...
02/11/2026

Taking the time to understand a client's priorities and financial position before applying for a home loan minimises time, effort and friction to give them peace of mind throughout the process. Follow BondExcel for more insight on how to make your home loan journey smoother.

Kristy Scott

https://lnkd.in/p/diQFahT9

Before you decide how much cash to put into your property, make sure you understand what happens to that money afterward...
30/10/2026

Before you decide how much cash to put into your property, make sure you understand what happens to that money afterwards.

If you need a team that helps you understand the financial reality of buying a home and who can help you make the most of your home loan like James Brownlee did, we're just a click or call away.

https://lnkd.in/p/d5sbaq2N

You home is part of what you leave behind.This Heritage Day, we celebrate the homes, places and traditions that become p...
24/09/2026

You home is part of what you leave behind.

This Heritage Day, we celebrate the homes, places and traditions that become part of our family stories and legacies.

Happy Heritage Day from BondExcel

The prime lending rate has increased by 0.25% to 10.75%.For anyone planning to buy a home, that change can affect what y...
23/09/2026

The prime lending rate has increased by 0.25% to 10.75%.

For anyone planning to buy a home, that change can affect what you can afford each month and how much you are comfortable borrowing.

But the interest rate is only one part of a homeloan decision.

If you're considering a home purchase, a BondExcel associate can guide you through the application and help you understand your options and how to make your homeloan application stress-free.

Get in touch to start the conversation today.

18/09/2026

Should you wait for the next interest rate announcement before buying a home?

It’s a fair question. Interest rates affect your monthly repayment, but they are only one part of the home loan equation.

Your credit profile, deposit, income and the strength of your application all matter too. So does comparing what multiple banks can offer you.

We’ve unpacked what to consider if rates go up, down or stay the same.

Read the full article here:

There is no perfect age to buy your first home.Some people are ready at 25. Others at 35, 45 or later.What's more import...
24/08/2026

There is no perfect age to buy your first home.

Some people are ready at 25. Others at 35, 45 or later.

What's more important is if the monthly repayment matches your purchasing power.

Simply put - the bank may offer you an amount - but it does not necessarily mean it's right for your budget.

What feels comfortable today might be more painful years down the line - or vice versa.

As you weigh up what you can afford, consider:

- Take-home pay
- Household costs
- Savings plans

But there are a few more pieces to this puzzle, and questions worth asking before you commit to a home loan.

To guide you, read: How much of your salary should go towards your home loan? https://www.bondexcel.co.za/resources/how-much-of-your-salary-should-go-towards-your-home-loan

Whether it's your first home, or your fifth - your home loan should fit your finances.

On 9 August 1956, around 20,000 South African women marched to the Union Buildings. They were standing up for something ...
09/08/2026

On 9 August 1956, around 20,000 South African women marched to the Union Buildings. They were standing up for something far bigger than themselves.

Seventy years later - South African women are still walking the path paved by the previous generation - through their own front doors.

The numbers tell an empowering story:

In 2015, just under half the number of single South Africans buying their first home were women. By 2025, at 53%, they were in the clear majority.

They're getting there sooner too - the average age of women buying independently has also dropped - from 47 ten years ago to 40 today.

From the thousands of brave women who marched for change all those years ago, to the millions building lasting futures today - we celebrate you.

To our clients, our associates, and every woman turning a house into a home on her own terms: thank you, and happy Women's Day 💛

Small rate difference. Big long-term savings.When the Monetary Policy Committee (MPC) of the South African Reserve Bank ...
24/07/2026

Small rate difference. Big long-term savings.

When the Monetary Policy Committee (MPC) of the South African Reserve Bank announces its interest rate decision, all eyes are on the prime lending rate.

It matters - because it affects your buying power and monthly home loan repayments.
But the other number that matters even more is the rate at which you secure your home loan.

Here's why:
At today's rate of 10.50%, a R1 million home loan over 20 years would cost about R9,984 per month.

Secure just 0.25% less, that figure drops to around R9,816.
At first glance, a difference of R167 might not seem like much.

But over 20 years - that's a saving of more than R40K.
At 0.50% less - you save around R80k.

So how do you get there? Three things make the difference:

✅ A properly prepared application
✅ Submitted to multiple banks
✅ Rates negotiated with care

That's exactly what we do at BondExcel: we assess your affordability, prepare a strong application, and give banks a reason to compete for your business.

It's less stress for you, with real financial benefits over time.

If you're ready to save - we're waiting for your call.

Interest Rate AnnouncementThe South African Reserve Bank announced today that it has held the repo rate at 7%, keeping t...
23/07/2026

Interest Rate Announcement

The South African Reserve Bank announced today that it has held the repo rate at 7%, keeping the prime lending rate at 10.50%.

Whether interest rates rise, fall or stay steady, our BondExcel associates are here to help.

One application, multiple banks - your choice made simple.

The smartest property search starts with a pre-qualification.Before you start viewing homes, know what you can afford.A ...
16/07/2026

The smartest property search starts with a pre-qualification.

Before you start viewing homes, know what you can afford.

A pre-qualification helps you:

✅ Understand your buying power
✅ Focus on the right properties
✅ Uncover any finance issues early
✅ Show sellers you're a serious buyer

It's a simple step that gives you clarity, confidence and credibility when it's time to make an offer.

BondExcel helps buyers get pre-qualified quickly and navigate the home loan process with ease.

Know your budget 💰
Strengthen your position ♟️
Buy with confidence 🤝

Get in touch for your home loan pre-qualification today!

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