In House Bond Brokers

In House Bond Brokers In House Bond Brokers- "We are properly passionate about property"

Bond Origination specialising in self employed applications

∙∙ What documents do I need for a bond application? ∙∙Thinking about buying your next home? Before you start the bond ap...
04/09/2026

∙∙ What documents do I need for a bond application? ∙∙

Thinking about buying your next home? Before you start the bond application process, it is worth getting your paperwork in order.
For most salaried South African residents, you will typically need:

• Proof of income – recent payslips or other proof of earnings.
• A copy of your South African identity document.
• Recent bank statements (3-6 months).
• Your income tax number.
• Proof of employment or your employment contract.
• Additional financial documents, depending on your circumstances.

If you are self-employed, the bank will require additional financial information, such as business financial statements and supporting documents for company registration (CIPC, etc). Having your documents ready can make the application process more straightforward and give the bank the information it needs to assess your application.

A little preparation now can make the journey to your new home that much smoother.

∙∙Spring has arrived ∙∙A new season is here, and we are stepping into it with gratitude for the people who make what we ...
01/09/2026

∙∙Spring has arrived ∙∙

A new season is here, and we are stepping into it with gratitude for the people who make what we do so rewarding. Jurene and Marise were recently surprised with these beautiful flowers from a client - a thoughtful gesture equal to the joy of negotiating the best deal for our clients!

At In House Bond Brokers, we believe that securing property finance should be a considered process, with experienced professionals who understand the importance of getting the details right.

Here’s to a season of fresh opportunities, new property journeys and many more milestones worth celebrating.

∙∙Buying property through your Business or personally? ∙∙It is one of those questions that sounds simple… until you star...
31/08/2026

∙∙Buying property through your Business or personally? ∙∙

It is one of those questions that sounds simple… until you start looking at the details.
Buying a property in your personal capacity or through a business can have very different financial, legal and tax implications.

The right choice depends on what you are buying the property for, how you plan to use it, your long-term goals and your overall financial position. There is no one-size-fits-all answer.

Before you sign an offer to purchase, it is worth understanding which ownership structure makes the most sense for you, not just today, but in the years ahead. Let us find the bond that suits your needs best.

📧 [email protected] 🌐 www.ihbb.co.za

∙∙ Facing the numbers when you are a foreigner ∙∙Buying property in South Africa as a non-resident is possible, but fina...
14/08/2026

∙∙ Facing the numbers when you are a foreigner ∙∙

Buying property in South Africa as a non-resident is possible, but financing works differently from that of South African residents.

Here is what you need to know:
Non-residents are typically able to obtain financing of up to 50% of the property's purchase price, meaning a deposit of approximately 50% is generally required.

Temporary residents who hold valid long-term work, business or critical skills visas may qualify for a higher loan-to-value ratio, depending on their individual circumstances, the lending bank's policies and their financial profile. In some cases, banks may finance significantly more than 50% of the purchase price.

Banks assess each application individually and will consider factors such as:
• The applicant's visa or residency status.
• Income and affordability.
• Credit profile.
• The value and type of property being purchased.
• Compliance with the Financial Intelligence Centre Act requirements and other regulatory requirements.

Every application is unique, and lending decisions vary between financial institutions.

At In House Bond Brokers, we guide buyers through the home loan application process and work with multiple banks to secure the most suitable financing solution for their circumstances.

∙∙This Women's Day, we celebrate the women who are making bold decisions about their futures.∙∙The woman buying her firs...
09/08/2026

∙∙This Women's Day, we celebrate the women who are making bold decisions about their futures.∙∙

The woman buying her first home.
The woman investing in property.
The woman creating financial security for her family.
The woman who decided it was time to build something of her own.

We know that behind every property purchase is a deeply personal story - years of hard work, careful decisions, sacrifice and the courage to take that next step.

To every woman working towards owning a home, building wealth or creating a future on her own terms: we see you, we celebrate you, and we are proud to be part of your journey.

May you always have the courage to open new doors.
Happy Women's Day!

∙∙ Can foreigners own property in South Africa? ∙∙Yes. Foreign nationals can buy and own residential and commercial prop...
07/08/2026

∙∙ Can foreigners own property in South Africa? ∙∙

Yes. Foreign nationals can buy and own residential and commercial property in South Africa, provided they comply with the relevant legal and financial requirements.

However, there are important considerations to keep in mind:

• Foreign buyers must comply with F**A requirements and provide proof of identity and source of funds.
• Exchange control regulations will apply when funds are brought into South Africa.
• Financing options for non-residents differ from those available to South African residents.

The rules surrounding financing and forex requirements are complex; it is essential to obtain professional legal and financial guidance before proceeding with such a purchase. We can assist foreign buyers in understanding the financing process and requirements before making a property investment in South Africa. 🤝

∙∙ Your business is thriving. Why was your bond declined?∙∙Many successful business owners are surprised when a bond app...
05/08/2026

∙∙ Your business is thriving. Why was your bond declined?∙∙

Many successful business owners are surprised when a bond application is not approved, especially when the business itself is performing well.

Lenders assess self-employed applicants differently from salaried individuals, and several factors can influence the outcome of an application:

• Incomplete financial documentation.
• Poor personal credit history.
• Cash flow compared to taxable income.
• The way lenders evaluate self-employed applicants.

A thriving business does not automatically guarantee bond approval. Understanding how financial institutions assess income, affordability, and risk can make a significant difference before submitting an application.

We ensure every application is presented with the clarity and preparation required for the best possible outcome.
📧 [email protected] 🌐 www.ihbb.co.za

∙∙ This is why we do what we do. ∙∙A home is so much more than bricks and mortar. It is where families grow, milestones ...
03/08/2026

∙∙ This is why we do what we do. ∙∙

A home is so much more than bricks and mortar. It is where families grow, milestones are celebrated, and memories are made. Being part of that journey is something we never take for granted.

Every application represents someone's dream, and every challenge is an opportunity to keep searching for the right solution. Because sometimes all it takes is having someone who believes in your goal just as much as you do.

∙∙ Feedback Friday ∙∙That is our main priority. 🤝 To ensure bond success for self-employed individuals who are not follo...
17/07/2026

∙∙ Feedback Friday ∙∙

That is our main priority. 🤝 To ensure bond success for self-employed individuals who are not following the "norm" in the bank's eyes. We understand you, because we are you.

Ready to take the step? 📧 [email protected] 🌐 www.ihbb.co.za

∙∙The cost of waiting ∙∙Many prospective buyers delay purchasing a property while waiting for lower interest rates or ho...
15/07/2026

∙∙The cost of waiting ∙∙

Many prospective buyers delay purchasing a property while waiting for lower interest rates or hoping property prices will fall. While this may seem like a sensible strategy, it can often cost more in the long run.

The reality is that when interest rates decrease, buyer demand typically increases. This can lead to greater competition, higher property prices and fewer opportunities to negotiate.

If you are financially ready to buy today, waiting for the "perfect" time could mean paying more for the same property tomorrow.
Every property journey is unique, and timing should be based on your financial readiness rather than trying to predict the market.

At In House Bond Brokers, we help buyers understand their options and secure the most suitable home loan for their circumstances so they can make informed decisions with confidence. 🤝

Are you waiting for the market to change, or are you waiting until you are ready?
📧 [email protected] 🌐 www.ihbb.co.za

Address

Claremont
7708

Opening Hours

Monday 09:00 - 17:00
Tuesday 08:30 - 17:00
Wednesday 08:30 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 16:00

Telephone

+27213005392

Website

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