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

∙∙Building more than homes. Building legacies.∙∙Father’s Day is a reminder of something we see every day - Fathers quiet...
21/06/2026

∙∙Building more than homes. Building legacies.∙∙

Father’s Day is a reminder of something we see every day - Fathers quietly building more than just homes. They are building stability. They are building security. They are building futures that their families can grow into.

A home is never just a transaction. For many dads, it is a long-term commitment to providing, planning, and creating something that lasts beyond the moment.

We understand that buying property is not only about finance, it is about legacy. To the fathers who build more than homes - thank you and Happy Father's Day.

∙∙ The next step to owning ∙∙We have come across entrepreneurs who have already found the perfect space, whether it is a...
17/06/2026

∙∙ The next step to owning ∙∙

We have come across entrepreneurs who have already found the perfect space, whether it is a studio, office, or live-work property in Cape Town, but risk losing it due to financing delays or uncertainty.

You found the space. Now let’s fund it.

The right property should not be held back by slow processes or unclear structuring. Whether it is a residential home that doubles as a workspace or a commercial setup for a growing business, timing and preparation are critical.

Start the process today: 📧 [email protected] 🌐 www.ihbb.co.za

∙∙Approval is not about income. It is about presentation.∙∙We often see entrepreneurs approaching bond approval with a f...
15/06/2026

∙∙Approval is not about income. It is about presentation.∙∙

We often see entrepreneurs approaching bond approval with a few common assumptions that can unintentionally work against them. It is not always about how much you earn. It is about how your financial profile is presented.

Many believe a fixed salary is required, but self-employed income is assessed on consistency, sustainability, and supporting documentation rather than a payslip. Others assume perfect credit is essential, when in reality financial institutions consider overall behaviour, affordability, and risk in context. There is also a misconception that a 20 percent deposit is always required, when deposit requirements can vary depending on the structure and strength of the application.

For entrepreneurs and business owners, the difference between approval and delay often comes down to strategy, structure, and presentation.

∙∙Financing the purchase, not just the home.∙∙One of the most common questions we receive is whether transfer and regist...
12/06/2026

∙∙Financing the purchase, not just the home.∙∙

One of the most common questions we receive is whether transfer and registration costs can be included in the bond amount. The short answer is: in some cases, yes.

Certain financial institutions allow bond registration costs to be included in the overall loan, provided specific criteria are met. However, this varies from bank to bank, and the structure of each application plays a key role in what is possible. Because of these differences, it is important to assess your options early in the process before making any final decisions.

Understanding the details upfront can make a meaningful difference to your overall financial planning.

∙∙Longer terms, stronger affordability ∙∙One of the most important but often overlooked parts of a bond application is t...
09/06/2026

∙∙Longer terms, stronger affordability ∙∙

One of the most important but often overlooked parts of a bond application is the loan term.

Financial institutions generally cap loan terms at a maximum of 30 years (360 months), and this has a direct impact on affordability. A longer loan term reduces the monthly instalment, which can improve the overall affordability profile of the application - especially for self-employed individuals and business owners.

In cases where there are multiple directors, the loan term is typically linked to the age of the eldest applicant. However, there are circumstances where this can be motivated, particularly where the business demonstrates strong, independent sustainability beyond the directors themselves.

Understanding how loan terms influence both affordability and approval strength is a key part of structuring a successful application from the outset.

∙∙Same bond. Different journey.∙∙We see it every day - the same bond application, very different experience depending on...
03/06/2026

∙∙Same bond. Different journey.∙∙

We see it every day - the same bond application, very different experience depending on how it is handled.

Traditional bank processes can often involve multiple departments, long turnaround times, and repeated requests for the same information, which can leave clients feeling like just another file in the system.

A boutique bond brokerage approach is different. It is direct communication, curated submission of your application, and consistent feedback throughout the process. Less confusion, more clarity, and a process that is managed with intention from start to finish.

Choose the boutique experience today.
📧 [email protected] 🌐 www.ihbb.co.za

The prime lending rate has increased by 0.25%. Market shifts like these often encourage property owners and buyers to ta...
01/06/2026

The prime lending rate has increased by 0.25%.

Market shifts like these often encourage property owners and buyers to take a closer look at their financial position and long-term property strategy.

While rate increases can create uncertainty, they also create an important opportunity to reassess affordability, lending structures, and current property value within today’s market conditions.

Whether you are considering purchasing, refinancing, or reviewing your existing bond, informed decisions become even more valuable during changing market cycles.

Understanding your position in the market is one of the strongest financial tools you can have.
Timing, structure, and the right information can make all the difference. 🤝

∙∙Juristic Property Applications∙∙Entrepreneurs and business owners often face a very different lending landscape when a...
01/06/2026

∙∙Juristic Property Applications∙∙

Entrepreneurs and business owners often face a very different lending landscape when applying for property finance through a company or juristic entity. At In House Bond Brokers, we specialise in working with self-employed clients who require a more strategic approach to bond applications - where business structures, financials, and affordability all need to align correctly.

Business ownership should not stand in the way of property ownership.
📧 [email protected] 🌐 www.ihbb.co.za

∙∙Understanding Home Finance for Self-Employed Individuals with Multiple Income Streams ∙∙For self-employed individuals,...
29/05/2026

∙∙Understanding Home Finance for Self-Employed Individuals with Multiple Income Streams ∙∙

For self-employed individuals, income is often not structured in the same way as a traditional monthly salary. Earnings may vary, and financial activity is frequently spread across multiple sources rather than reflected on a single salary slip.

When submitting a home loan application to financial institutions, each bank applies its own qualifying criteria. These institutions also require varying levels of supporting motivation to ensure that all income streams are accurately assessed and included in the final affordability calculation.

In House Bond Brokers works with clients in these circumstances by consolidating and presenting multiple income streams into a clear, structured, and cohesive financial profile for consideration by the relevant banks.

This approach ensures that a full and accurate picture of income is presented, aligned with the requirements of each institution’s assessment process.

∙∙Your business is growing. Is your property strategy keeping up?∙∙Many entrepreneurs spend years building and scaling t...
27/05/2026

∙∙Your business is growing. Is your property strategy keeping up?∙∙

Many entrepreneurs spend years building and scaling their businesses before considering property ownership. Often, the delay is not about ambition - it is about the assumption that banks will make the process difficult, restrictive or unnecessarily slow.

The reality is that business owners require finance solutions that reflect how growth actually happens. Income structures, business performance and future potential all form part of the bigger picture.

At In House Bond Brokers, we believe your bond should be structured around your growth, not just your paperwork. Because the right property strategy should evolve alongside the business you are building. 🤝

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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