Credit Report Assessment
We pull and read your credit report first — so we know exactly which banks will say yes, and what to do if anything needs cleaning up.
Bond Originator · Black-Owned · Partnered with MortgageMax
Passionate about housing you.
We help you secure the best deal for your home loan from over 7 banks — free, end-to-end. From credit assessment to closing.
7+ Partner banks
100% Loan-to-value motivation
R0 Free to you
About TPK Bonds
New on the block. Serious about service.
TPK Bonds is a Black-owned bond originator working in partnership with MortgageMax — one of South Africa's most established home-loan networks. We bring the relationships of a major brand together with the personal attention of a small, focused team.
Buying a home is one of the biggest financial decisions you'll ever make. We sit on your side of the table, prepare your application the way the banks expect to see it, and negotiate hard so you get the best possible rate. Our service is free to you — the banks pay us when your loan is approved.
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Side-by-side from day one
We walk the application through with you, not just send it.
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One application, 7+ banks
We submit to multiple lenders so you get a real choice of offers.
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Free to every applicant
No fees, no surprises. Our income comes from the banks, not you.
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Service is key. We treat every application like it's our own — because for the family on the other end, it usually is.
In partnership with MortgageMax
One of South Africa's leading bond origination networks, giving us direct access to the country's top home-loan lenders.
What we do
Everything you need to land the best home loan.
From the first credit check to the day you sign, we handle the legwork — and we keep the banks honest on rate and structure.
Application Preparation
We prepare your application the way the banks expect to see it. Clean, complete, and structured so they see the merit from the very first page.
Rate Negotiation
We motivate for 100% loan-to-value and negotiate hard on rate. Even half a percent over 20 years is real money in your pocket.
Insurance Referrals
Connections to trusted home and life-cover associates so you get competitive premiums for the cover the bank requires.
Estate-Agent Partnerships
Great incentives for the estate agents we work with — and faster, smoother deals for the buyers they bring our way.
Free To Every Applicant
We don't charge you a cent. The banks pay us a referral fee when your loan is approved — your offer terms aren't affected by it.
Bond Types
Whatever your home goal — we have the right bond.
01
New Loan
Buying a property? We get your purchase financed at the best rate available across the lenders we work with.
02
Building Loan
Constructing from the ground up? We arrange staged financing that releases funds as your build progresses.
03
Further Loan
Already have a bond? Unlock the equity in your home for renovations, education, or other major life expenses.
04
Paid-Up Property
Own your home outright? Take a fresh bond against it to put your asset to work for new opportunities.
How it works
The application, simplified.
Five steps from "I'm interested" to "I have the keys." We'll tell you exactly what we need, when we need it.
01
Credit pull
We pull your credit report and assess where you stand with the banks.
02
Document collection
We send you a short list of documents — exactly what's needed, nothing more.
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Multi-bank submission
We submit your application to multiple banks in parallel so you get a real choice of offers.
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Negotiation
We push for the best rate and motivate for 100% loan-to-value where possible.
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Approval & sign-off
Once you're happy with the offer, we walk you through registration and closing.
What you'll need
Documents by income type
We tailor the list to your situation — these are the typical asks.
Fixed income (salary)
- 3 months' bank statements
- 3 months' payslips
- Copy of ID
Fluctuating income
- 6 months' bank statements
- 6 months' payslips
- Copy of ID
Joint application
- Partner's payslips (3–6 months by income type)
- 3 months' bank statements (each)
- Copies of both IDs
Self-employed
- Financial statements — 2 years
- Auditor confirmation letter
- Shareholding documentation
- Business and personal bank statements
- Tax returns (IT 34)
- Rental schedules (if applicable)
- Signed financial declarations
- Company registration documents
- Copy of ID
Ready to start? Send your documents to either of us — or just say hi first.
Get in touchBond Calculator
See your monthly repayment in seconds.
Quick, honest numbers. We use the same amortisation formula the banks use — so what you see here is close to what you'll see on your bond offer.
Estimated monthly repayment R 0
Total amount paid over term R 0
Total interest paid R 0
Indicative only. The exact rate depends on the bank's risk assessment of your application — that's exactly the thing we help you negotiate.
Get in touch
Let's get your home loan started.
Reach out by WhatsApp, phone, or email — whichever's easiest for you. We'll talk you through your options and let you know exactly what to send next.
Office
19931-2 Zone 14
Sebokeng, 1983
South Africa