One application.
Seven banks compete for your home loan.
Get free home loan pre-qualification and bond-origination assistance from anywhere in South Africa. Complete one guided application, compare the offers returned by participating lenders and choose the option that suits you.
Free. No obligation. No effect on your credit score to get started.
Participating lenders
What does a bond originator do?
A bond originator helps you prepare and submit your home-loan application to participating lenders. Instead of approaching banks individually, you complete one guided application, compare the offers received and choose the option that best suits your circumstances.
You. Realty Mortgages supports home buyers throughout South Africa, from initial pre-qualification through to the formal home-loan application process.
One application, multiple banks
Instead of approaching banks one by one, your application reaches South Africa's leading lenders at once.
Side-by-side comparison
Compare the interest rate and term offers returned by participating lenders so you choose with confidence.
End-to-end guidance
From pre-qualification to attorney signature, you get dedicated support at every step of the journey.
A simpler way to finance your home.
We help home buyers apply to participating lenders, compare offers and move forward with clarity — all through one guided process.
The first mortgage originator in 25 years to hold seven direct bank origination contracts.
7
Participating lenders
Reach multiple South African lenders through one streamlined home-loan application.
1
Simple application
Share your information once, then compare the offers returned for your circumstances.
100%
Free & no obligation
Pre-qualification costs nothing and you're never obligated to proceed. You're simply discovering what's possible.
Why smart buyers get pre-qualified first
A pre-qualification isn't just paperwork — it's your edge in a competitive market. Here's what it unlocks for you.
Know your true buying power
See exactly how much you could borrow before you fall in love with a property — no guesswork, no disappointment.
Make stronger offers
Sellers and agents take pre-qualified buyers more seriously. Your certificate signals you're ready to move.
Lock in a better rate
Pre-qualification lets banks compete for your loan up front, so you can compare offers and choose your best rate.
Move fast when it counts
When you find the right home, your pre-qualification means you can act quickly — ahead of less-prepared buyers.
Free, guided, no pressure
It costs nothing, takes minutes, and a bond expert guides you on WhatsApp every step of the way.
Your credit score stays safe
Getting started doesn't affect your credit score. A formal check only happens later, with your consent.
Already know you need a bond? Start now and see what you qualify for
Skip the queue and jump straight into our pre-qualification app. In a few minutes you'll see your potential buying power — no obligation, and no effect on your credit score to get started.
Opens our secure app in a new tab. Free. No obligation.
From enquiry to keys, in four simple steps
You bank online and shop online — your home loan should be no different.
Create your profile
Sign up in minutes with your own secure login.
Apply once, online
Complete one application for submission to participating lenders.
Compare offers
Review the offers you receive side by side and choose the option that suits you.
Sign documents
Choose your winner and sign with the bank's attorneys.
Know your buying power before you make an offer
A pre-qualification certificate helps demonstrate that you're a serious buyer and gives you a clearer view of your potential buying power. It takes only a few minutes to get started, costs nothing, and we'll guide you through the process on WhatsApp.
- Your maximum bond amount, in writing
- Your credit profile, explained in plain language
- A certificate that makes your offer stand out
Free. No obligation. No effect on your credit score to get started.
Answers to common questions
Everything you need to feel confident about getting pre-qualified.
Still have questions? Chat to us on WhatsApp →