You. Realty Mortgages — A division of You Realty (Pty) Ltd, FFC 142850
    Step-by-step guide

    How to complete your
    pre-qualification application

    Follow these simple steps to fill out your application correctly and get your pre-approval certificate fast.

    1. 1

      Choose your application type

      Select whether you are applying as an individual or jointly with a co-applicant (such as a spouse).

      As an individual you are applying on your own. A co-applicant can be your spouse.

      Screenshot showing the individual vs co-applicant selection in the pre-approval form
    2. 2

      Enter your income and expenses

      Fill in your gross monthly salary, net monthly salary, any additional income, and your living expenses. This helps us calculate what you can afford.

      Screenshot showing the income and expense fields in the pre-approval form
    3. 3

      Important: Contractual Expenses

      Do NOT fill in your contractual (debt) expenses manually. Simply enter R1 in this field — the system pulls your actual contractual obligations directly from Experian.

      Important: Enter only R1 for Contractual Expenses — this data is pulled automatically from Experian.

      Screenshot showing the full pre-approval form with all fields and the View Results button
    4. 4

      View your results

      Click the green "VIEW RESULTS" button to generate your pre-approval certificate instantly.

      Screenshot showing the View Results button at the bottom of the form

    Ready to start?

    Complete your application now and get your pre-approval certificate in minutes.

    Get pre-qualified free