MORTGAGE ORIGINATORS · CENTURY CITY, CAPE TOWN
Banks price the samebuyer differently.We make themcompete for you.
You apply once. We place the file with six major banks, put the offers side by side, and take the strongest one back to the other desks to beat it. The bank pays us when your bond registers. You pay nothing.
PRIME LENDING RATE, EFFECTIVE 25 SEPTEMBER 2026
HOW AN APPLICATION MOVES
One application.
You complete one set of documents. We check it properly before it goes anywhere, so no bank sees a half-finished file.
Illustration. Offers depend on the applicant and the property.
FROM THE FILES
Her bank said noto a good rate.Five others disagreed.
Self-employed applicants are where preparation changes the outcome. We rebuilt her financial statements first, then let the banks compete.
Statement of outcome
- Applicant
- Self-employed architect, Durbanville
- Purchase price
- R 2 400 000
- Deposit
- R 240 000
- Bond amount
- R 2 160 000
- Own bank's first offer
- Prime + 0,50 (11,25%)
- After six banks and negotiation
- Prime − 0,50 (10,25%)
- Monthly repayment
- R 22 664 → R 21 203
Example file for this concept. Real outcomes, shared with client permission, go here.
WHAT WOULD IT COST?
Half a percentsounds small. Untilyou see it over 20 years.
- Bond amount
- R 1 665 000
- Transfer duty to SARS
- R 24 786
- Interest over the term at prime
- R 2 391 855
Estimates only, not a quotation or credit advice. Approvals are subject to bank credit criteria and the National Credit Act. Transfer duty for natural persons, 2026/27.
WHAT WE DO
Finance for the property,and the life around it.
- 01
Home loans
One application, six banks, one negotiated rate. Pre-approvals before you make an offer.
→ - 02
Commercial and industrial finance
Offices, retail, warehousing and factories. Cash flow, leases and security packaged before anything is submitted.
→ - 03
Bridging finance
Proceeds released to sellers and agents in about 48 hours, instead of waiting three months for the deeds office.
→ - 04
Accounting and tax advisory
Self-employed? We fix your financials and SARS position before they go near a credit desk.
→ - 05
Insurance advisory
Bond, life and building cover matched to the bond, not sold on top of it.
→ - 06
Estate agent partnerships
A finance desk behind your agency. Named contact, weekly pipeline reports, training at your office.
→
THE NUMBERS RIGHT NOW
Where the marketactually sits today.
We keep these current, so you are not planning around last year’s rate. Updated 25 September 2026.
Bazil Naidoo, founder. Century City.
A NOTE FROM THE FOUNDER
Forty years of it,and I still take the calls.
I began my career at ABSA Bank. At thirty I started my own business in insurance, finance and property, and for more than forty years I have worked with clients across South Africa.
Today, at seventy, my focus is the same as it was then: honest advice, practical solutions, and helping people get to the property they want on terms they can live with.
FOUNDER, BAZIL NAIDOO GROUP
Paid on registration, not submission.
The bank pays our commission only once your bond registers. There is no incentive to push you into a deal that falls over.
The hard files are the interesting ones.
Self-employed applicants, commission earners, company directors and commercial buyers are where preparation changes the outcome.
You hear from a person.
One named originator owns your file from first call to registration. You will never repeat your income to four different people.
Find out what you qualify for,before you make an offer.
Send your details and an originator will call you back, usually the same working day. No cost, no obligation, and nothing goes to a bank until you say so.
- CALL
- 078 112 2333
- 078 112 2333
- info@equitybond.net.za
- Cape TownHead office, Century City
- JohannesburgGauteng
- DurbanKwaZulu-Natal
- GqeberhaEastern Cape
- GeorgeGarden Route