BondExcel

BondExcel Independent Mortgage Originators | Licensed with Leading Banks | Helping Clients Secure Home Loans

There is no perfect age to buy your first home.Some people are ready at 25. Others at 35, 45 or later.What's more import...
24/08/2026

There is no perfect age to buy your first home.

Some people are ready at 25. Others at 35, 45 or later.

What's more important is if the monthly repayment matches your purchasing power.

Simply put - the bank may offer you an amount - but it does not necessarily mean it's right for your budget.

What feels comfortable today might be more painful years down the line - or vice versa.

As you weigh up what you can afford, consider:

- Take-home pay
- Household costs
- Savings plans

But there are a few more pieces to this puzzle, and questions worth asking before you commit to a home loan.

To guide you, read: How much of your salary should go towards your home loan? https://www.bondexcel.co.za/resources/how-much-of-your-salary-should-go-towards-your-home-loan

Whether it's your first home, or your fifth - your home loan should fit your finances.

On 9 August 1956, around 20,000 South African women marched to the Union Buildings. They were standing up for something ...
09/08/2026

On 9 August 1956, around 20,000 South African women marched to the Union Buildings. They were standing up for something far bigger than themselves.

Seventy years later - South African women are still walking the path paved by the previous generation - through their own front doors.

The numbers tell an empowering story:

In 2015, just under half the number of single South Africans buying their first home were women. By 2025, at 53%, they were in the clear majority.

They're getting there sooner too - the average age of women buying independently has also dropped - from 47 ten years ago to 40 today.

From the thousands of brave women who marched for change all those years ago, to the millions building lasting futures today - we celebrate you.

To our clients, our associates, and every woman turning a house into a home on her own terms: thank you, and happy Women's Day 💛

Small rate difference. Big long-term savings.When the Monetary Policy Committee (MPC) of the South African Reserve Bank ...
24/07/2026

Small rate difference. Big long-term savings.

When the Monetary Policy Committee (MPC) of the South African Reserve Bank announces its interest rate decision, all eyes are on the prime lending rate.

It matters - because it affects your buying power and monthly home loan repayments.
But the other number that matters even more is the rate at which you secure your home loan.

Here's why:
At today's rate of 10.50%, a R1 million home loan over 20 years would cost about R9,984 per month.

Secure just 0.25% less, that figure drops to around R9,816.
At first glance, a difference of R167 might not seem like much.

But over 20 years - that's a saving of more than R40K.
At 0.50% less - you save around R80k.

So how do you get there? Three things make the difference:

✅ A properly prepared application
✅ Submitted to multiple banks
✅ Rates negotiated with care

That's exactly what we do at BondExcel: we assess your affordability, prepare a strong application, and give banks a reason to compete for your business.

It's less stress for you, with real financial benefits over time.

If you're ready to save - we're waiting for your call.

Interest Rate AnnouncementThe South African Reserve Bank announced today that it has held the repo rate at 7%, keeping t...
23/07/2026

Interest Rate Announcement

The South African Reserve Bank announced today that it has held the repo rate at 7%, keeping the prime lending rate at 10.50%.

Whether interest rates rise, fall or stay steady, our BondExcel associates are here to help.

One application, multiple banks - your choice made simple.

The smartest property search starts with a pre-qualification.Before you start viewing homes, know what you can afford.A ...
16/07/2026

The smartest property search starts with a pre-qualification.

Before you start viewing homes, know what you can afford.

A pre-qualification helps you:

✅ Understand your buying power
✅ Focus on the right properties
✅ Uncover any finance issues early
✅ Show sellers you're a serious buyer

It's a simple step that gives you clarity, confidence and credibility when it's time to make an offer.

BondExcel helps buyers get pre-qualified quickly and navigate the home loan process with ease.

Know your budget 💰
Strengthen your position ♟️
Buy with confidence 🤝

Get in touch for your home loan pre-qualification today!

Can you buy a residential property through a company or trust?The short answer is yes, it can be.The more important ques...
09/06/2026

Can you buy a residential property through a company or trust?

The short answer is yes, it can be.

The more important question is whether buying a home through a company or trust is the right fit for your circumstances.

That is why it helps to get clarity early. The right structure can support the process. The wrong one can make it more complicated than it needs to be.

At BondExcel, we help clients ask the right questions from the start, so they can move forward with greater confidence.

🎊Today we celebrate another birthday in the BondExcel family 🎂Many happy returns, Jessica Jones🌷With her strong banking ...
03/06/2026

🎊Today we celebrate another birthday in the BondExcel family 🎂

Many happy returns, Jessica Jones🌷

With her strong banking background and calm, practical approach, Jess brings valuable insight to the clients she supports. She understands the home loan process from the inside, and helps buyers feel more informed and prepared as they take their next step.

We hope you have a wonderful birthday, Jess, and a year ahead filled with good things. ✨🎁🎁

For anyone buying property in Cape Town, Jess is a great person to connect with when you’re ready to chat about your bond.

What does a well-prepared home loan application look like?Usually, it comes down to the basics being done properly:📄 cle...
29/05/2026

What does a well-prepared home loan application look like?

Usually, it comes down to the basics being done properly:

📄 clear, complete documents
✅ accurate information
🗂️ a properly prepared application

It may sound simple, but good preparation can make the process smoother and help buyers move forward with more clarity.

At BondExcel, careful preparation is part of helping clients make better decisions from the start.

Interest Rate AnnouncementThe South African Reserve Bank said today it has hiked interest rates by 0.25%, with the prime...
28/05/2026

Interest Rate Announcement

The South African Reserve Bank said today it has hiked interest rates by 0.25%, with the prime lending rate increasing to 10.50%.

The Monetary Policy Committee is acting to curb rising inflation, mostly caused by conflicts in the Middle East.

BondExcel keeps you informed, so you can make home-loan decisions with clarity.

🎉 Happy Birthday, Kristy!🎁Today our BondExcelBondExcel team is celebrating Kristy and the warmth, care and local knowled...
28/05/2026

🎉 Happy Birthday, Kristy!🎁

Today our BondExcelBondExcel team is celebrating Kristy and the warmth, care and local knowledge she brings to every client she works with.

Buying a home is a big step, and having someone steady, responsive and experienced on your side can make the bond process feel so much easier.

If you’re looking to buy a home in Hermanus, Somerset West, Stellenbosch or the surrounding areas, and need help with your bond application, please reach out to Kristy Scott.

✨Happy birthday, Kristy, we hope you have a wonderful day! 🏡🎂

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Cape Town

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Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00

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