Unlock Bonds SA
BOND ORIGINATION, UNLOCKING OPPORTUNITIES
Springs, Gauteng · In partnership with GatewayYears of experience in bond origination
Unlock Bonds SA is a bond origination business based in Springs, Gauteng, working with buyers, homeowners and investors across the East Rand and the rest of South Africa. We apply to all the major South African banks on your behalf, negotiate the best possible interest rate and keep you informed at every step — from free pre-approval right through to registration.
With Ntando and Siboniso behind your application, we make your property finance a reality.
We assist in your language
- English
- Zulu
- Tswana
- Sotho
- Xhosa
- Swati
- Ndebele
Your dedicated bond originators
Ntando Majola
Bond Originator
More than 8 years in bond origination, working with first-time buyers, homeowners and investors across Springs, the East Rand and greater Gauteng.
Siboniso Biyela
Bond Originator
Works alongside Ntando on every application — structuring deals the banks approve, negotiating interest rates and guiding clients from pre-approval right through to registration.
Plan your numbers
Calculator
Monthly repayment
R 15 739
Total repaid
R 3 777 322
Total interest
R 2 277 322
The banks’ view — the 30% rule
South African banks cap your monthly bond instalment at roughly 30% of your gross monthly income.
Max instalment banks allow (30%)
R 13 500
Bond you qualify for
R 1 286 626
Gross income used (30% applied)
R 45 000
Above the 30% affordability cap — R 15 739 exceeds the R 13 500 banks allow at this income.
How it works
Bond Origination Process
- 1Create your profile and do your free pre-approval
- 2Complete your application data so we can review and assist accordingly
- 3Consult with your originator to ensure your application is aligned with the bank
- 4Submit and track online, live
- 5Sign with the transfer attorney
Banks we work with
Our Platforms
Coming SoonSwipe to see all lenders.
What I arrange
Bond Origination Services
Residential home loan / bond
Buy a house, apartment or residential property.
Buy-to-let finance
Purchase residential property to rent out.
Bridging finance
Short-term funding while waiting for another transaction or funding event.
Further loan / equity release
Borrow against an existing property's equity.
Refinance / portfolio finance
Replace existing debt or restructure a property portfolio.
GAP finance
Funding the shortfall between what the senior lender will provide and the total amount needed to complete the transaction.
Free pre-approval
Get Pre-Approved in 2 Minutes
Scan the code or tap the button to start your free, no-obligation pre-approval — you’ll know exactly what you qualify for before you shop.
Start my pre-approvalExisting clients
Login to Your Portal
Track your application, view bank progress, and manage documents.
LoginGood to know