Home-readiness, without the anxiety
Connect an account to see your affordability picture in 90 seconds.
You'd likely qualify for a R450 000 bond.
Based on 6 months of open-banking data. This is what a mainstream lender would model — not a formal offer.
- Purchase price
- R495 000
- 10% deposit target
- R45 000
- Est. monthly bond
- R4 320
- Room in budget
- R-10 / mo
Three signals from the last six months
Salary lands 25th, debit orders stable, discretionary spend consistent.
Current rent is 40% higher than the modelled bond repayment.
At R2,150 / month you clear the 10% deposit by May 2027.
R18 600 of R45 000 saved
Route surplus > R1,500 into a home pocket.
Model +1% and +2% interest scenarios.
Ring-fence 3 months of rent before you commit.
Insurance readiness
Your Receipt Vault already inventories R284,000 of contents. Household cover for a bonded home starts around R520 / month — we'll pre-populate it for you.
Investment cushion
Once the deposit is 60% funded, we'll ladder the balance into a 6-month notice account earning prime -1% — no lock-in.
Three pre-approved intros
We share the minimum evidence needed. You approve each intro. Every stream is disclosed below.
- SA Home LoansBond origination · prime -0.25% qualifying rate
- Ooba Home LoansMulti-bank comparison · one soft application
- Discovery InsureHousehold cover · receipts pre-populate inventory