Home Loans & Bond Finance in South Africa
Whether you are buying your first home, moving to a larger property or adding to a portfolio, Gateway submits one online home loan application and helps you compare bond finance from leading South African banks — with a mortgage specialist guiding the structure of your application.
One Home Loan Application. Multiple South African Banks.
Instead of approaching banks one at a time, submit your bond application through Gateway. Your profile is assessed with participating lenders so you can compare rates, deposit requirements and conditions side by side.
- Free, bureau-backed home loan pre-approval in about 2 minutes
- Up to 100% mortgage finance for qualifying applicants
- Compare interest rates and conditions across participating banks
- Secure digital document upload — no branch visits
How Bond Finance Works
A home loan (bond) is secured against the property you buy. The bank assesses your income, expenses, credit profile and the property value, then offers a loan amount, interest rate and term — usually 20 years. Your specialist helps you structure the application so it presents your affordability in the strongest light.
- Loan amount driven by affordability, deposit and credit profile
- Rates quoted as prime plus or minus a margin
- Terms typically 20 years, with shorter terms reducing total interest
- Bond registration and transfer costs payable at registration
Documents You Will Need
Having your documents ready shortens the time between application and approval. Everything is uploaded once into your Gateway profile and shared with the banks you apply to.
- South African ID or valid passport and permit
- Latest three months' payslips or six months for commission earners
- Latest three to six months' bank statements
- Signed offer to purchase once you have found a property
Get Your Free Home Loan Pre-Approval
One online application, compared across leading South African banks, with an experienced mortgage specialist guiding you from pre-approval to registration.
Start my free pre-approvalHome Loans & Bond Finance FAQs
How do I apply for a home loan in South Africa?
Complete Gateway's online application, upload your supporting documents once, and your application is submitted to participating South African banks. A mortgage specialist reviews your profile before submission and guides you through to registration.
Can I get a 100% home loan?
Many South African banks offer up to 100% home loans to qualifying buyers with a strong credit profile and sufficient affordability. A deposit generally improves your rate and approval prospects.
How long does a home loan application take?
Pre-approval takes about two minutes. A full application typically receives bank responses within a few working days, while transfer and bond registration usually takes six to twelve weeks.