Get pre-approved
Complete the online pre-qualification form. With a pre-approval from us you can choose the best offer between all the financial institutions, not just your own bank.
Start the formBond originators since 2006
Make it your home, today.
One application, every bank. We take your home-loan application to all the major lenders and bring back the offer that suits you best. The paperwork is electronic, so approval really is as easy as 1‑2‑3.
Since 2006Founded and still led by Marlèze Möller
All the banksChoose the best offer, not just your own bank's
4 working daysFeedback on your application
Prime lending rate 10.50%
SA Reserve Bank, repo 7.00% held at the July 2026 meeting
Every calculator below is preset to prime. Change the rate to test the bank's offer.
Work it out first
Know your numbers before you fall in love with a house.
Four quick tools, using the same maths the banks use. Estimates only: your consultant confirms the real figures with the bank's offer.
Estimated monthly repayment
R0/ month
Bond amountR0
Total interestR0
Total repaidR0
Outstanding balanceInterest paid to date
If the rate moves
Estimate on a standard amortising loan at a fixed rate, before bank fees and insurance. Your quoted rate is prime plus or minus a margin set by the bank. Get pre-approved to find out yours.
You could qualify for a bond of about
R0
Purchase price with depositR0
Monthly instalmentR0
Limited by—
Banks screen on two rules: the instalment may not exceed about 30% of gross income, and it must fit into your net income after living costs and other debt. Your credit record and the bank's own model decide the final answer. A pre-approval from us tells you exactly where you stand.
Cash you need on top of your deposit
R0
Estimates from the SARS transfer-duty table (1 April 2025 scale, unchanged for 2026/27), the LPC conveyancing guideline and the Deeds Office scale of 1 April 2026, plus about R2 000 in sundries per attorney. Excludes rates clearance, levies, compliance certificates, bond valuation and the deposit itself. Your attorneys' final accounts will differ.
Paid off sooner by
0 years
Interest savedR0
New repaymentR0
Paid off in—
CapitalInterest
Most SA home loans allow extra payments without penalty and many let you draw the surplus back through an access facility. Ask your consultant which banks offer this.
Our process
Three easy steps to make your dream a reality.
Everything is done electronically. You never queue at a bank.
Submit your documents
- 3 months' bank statements
- 3 months' payslips
- Proof of ID
- Proof of residence
Wait for our call
One of our bond originators contacts you with feedback on your application and what you qualify for. Then we take it to the banks and negotiate on your behalf.
Why an originator
Your own bank will only ever show you one offer.
A bond originator applies to all of them at once, so the banks compete for you.
One application, every bank
You fill in one form and send one set of documents. We submit to all the major lenders and compare rates, fees and conditions side by side.
Electronic paperwork
Documents move by email and WhatsApp, applications are lodged electronically and you sign where you are. It is as easy as 1-2-3.
A consultant, not a call centre
You deal with one named person from pre-approval to registration, with a head assistant keeping every file moving.
Twenty years of trust
Established in 2006 by Marlèze Möller and grown into a well-respected company where each team member contributes to making our clients' dreams a reality.
“Our paperwork is done electronically, making it as easy as 1-2-3 to get approval for your home loan.”Marlèze Möller, Principal
The team
Five people, three provinces, one file at a time.
MM
Principal · Gauteng
Marlèze Möller
072 177 4113 marleze@myhomeloans.co.zaVG
Consultant · Free State
Vicky Grobler
083 724 5231 vicky@myhomeloans.co.zaJT
Consultant · Western Cape
Jozanne Taljaard
071 382 4414 jozanne@myhomeloans.co.zaLC
Head assistant
Liesl Coetzer
072 248 8848 liesl@myhomeloans.co.zaAA
Assistant
Anel Adriaanse
admin@myhomeloans.co.zaVisit us
Bloemfontein, Centurion and the Western Cape.
Bloemfontein
34 Breber Avenue, WestdeneBloemfontein, Free State 051 436 0386 083 724 5231 Open in Google Maps
Centurion
5 Strandloper Avenue, RooihuiskraalCenturion, Gauteng 072 177 4113 info@myhomeloans.co.za Open in Google Maps
Western Cape
Consultations by appointmentJozanne Taljaard 071 382 4414 jozanne@myhomeloans.co.za
Monday to Friday, 08:00–17:00