# FinCraft

> FinCraft is a registered South African bond originator. We submit a single home loan application to South Africa's major banks on the client's behalf, compare the resulting offers, and negotiate the lowest interest rate. The service is free to the buyer — the bank that wins the deal pays our commission.

## Key facts

- Country: South Africa
- Service: Bond origination / home loan brokerage
- Cost to the client: Free. No fee is charged to the home buyer.
- Lenders applied to: ABSA, FNB, Nedbank, Standard Bank, Capitec, SA Home Loans, Investec, RMB Private Bank, Sentinel Homes
- Current South African prime lending rate used in our calculators: 10.5%
- Rates last reviewed: 23 July 2026
- Areas served: Johannesburg, Pretoria, Durban, Cape Town, South Africa
- Phone: 072 732 0590
- Email: info@fincraft.co.za

## Services

- Home loan pre-approval — establishes what a buyer qualifies for before they make an offer.
- New home loan finance — one application submitted to all major banks, offers compared side by side.
- Home loan refinancing / switching — moving an existing bond to a bank offering a better rate.
- Bridging finance — short-term cash advanced against pending proceeds of a property sale.
- Building loans and further advances.
- Applications for clients with impaired or thin credit records.

## Free calculators

- Bond repayment calculator: https://www.fincraft.co.za/calculators/#bond-repayment — monthly repayment from loan amount, rate and term.
- Affordability calculator: https://www.fincraft.co.za/calculators/#affordability — the home loan a buyer qualifies for based on income and expenses.
- Bond and transfer cost calculator: https://www.fincraft.co.za/calculators/#bond-costs — SARS transfer duty, bond registration and attorney fees on a purchase price.
- Deposit / LTV calculator: https://www.fincraft.co.za/calculators/#deposit — how a deposit changes repayments and loan-to-value.

## Pages

- [About](https://www.fincraft.co.za/about/): FinCraft is a South African bond originator. We create competition between banks so you are not stuck with a single offer and no leverage.
- [Bond Originator South Africa | Compare Home Loans](https://www.fincraft.co.za/): FinCraft submits one home loan application to every major South African bank, compares the offers and negotiates your rate. Free: the bank pays our fee.
- [Calculators](https://www.fincraft.co.za/calculators/): Free South African home loan calculators: bond repayment, affordability, transfer duty and deposit. Uses the current SARS tables and prime lending rate.
- [Contact](https://www.fincraft.co.za/contact/): Speak to a FinCraft bond consultant about a home loan. Free, no obligation, and we apply to every major South African bank on your behalf.
- [Contact Us](https://www.fincraft.co.za/start-your-journey-loan-application-contact-us/): Start your transformative journey with FinCraft, where expert guidance, personal touch, and tailored solutions converge. Our dedicated team will craft tailored financial and loan…
- [Privacy Policy](https://www.fincraft.co.za/start-your-journey-loan-application-contact-us/fincraft-privacy-policy/): Introduction Welcome to FinCraft ("we," "us," "our"). We are committed to protecting and respecting your privacy in accordance with the Protection of Personal Information…
- [Terms and Conditions](https://www.fincraft.co.za/start-your-journey-loan-application-contact-us/fincraft-terms-and-conditions/): Introduction Welcome to FinCraft ("we," "us," "our"). These Terms and Conditions ("Terms") govern your use of our website, www.fincraft.co.za (the "Site"), and our bond…
- [Free Downloads](https://www.fincraft.co.za/free-guides/): Three free guides to buying property in South Africa, written in plain language and updated for 2026. Tell us where to send them.
- [Guides](https://www.fincraft.co.za/guides/): Plain-language guides to home loans, transfer costs and buying property in South Africa. Written by FinCraft, updated for 2026.
- [How It Works](https://www.fincraft.co.za/how-it-works/): One application to every major South African bank. We compare the offers, negotiate the rate, and see the bond through to registration. Free to you.
- [PAIA Manual](https://www.fincraft.co.za/paia-manual/): Replace this page with your PAIA manual. The Information Regulator publishes a template.
- [Services](https://www.fincraft.co.za/services/): Home loan pre-approval, new bond finance, refinancing, bridging finance and building loans — arranged with every major South African bank.
- [Terms of Use](https://www.fincraft.co.za/terms-of-use/): Replace this page with your terms of use.
- [Thank you Page](https://www.fincraft.co.za/thank-you-for-contacting-us/): © 2024 | Privacy Policy | Terms Of Use | Calculators | a Digital Guru Agency Website Project

## Guides and articles

- [Should you switch your bond to another bank?](https://www.fincraft.co.za/2026/07/28/switch-home-loan-another-bank-south-africa/): Refinancing an existing bond can save six figures over the remaining term — or cost you money. How to work out which, before you commit.
- [Can you get a home loan with a bad credit record in South Africa?](https://www.fincraft.co.za/2026/07/28/home-loan-bad-credit-south-africa/): A low credit score is not an automatic decline. What South African banks actually look at, what disqualifies you outright, and how to improve your odds.
- [Every document you need for a home loan application in South Africa](https://www.fincraft.co.za/2026/07/28/documents-needed-home-loan-south-africa/): A complete checklist of what South African banks require, whether you are employed, self-employed, a foreign national or earning commission.
- [How much deposit do you need to buy a house in South Africa?](https://www.fincraft.co.za/2026/07/28/how-much-deposit-house-south-africa/): You can buy with no deposit at all in South Africa — but here is what a deposit actually does to your interest rate, your repayment and your chances of approval.
- [Transfer duty and bond costs in South Africa: the 2026/27 figures](https://www.fincraft.co.za/2026/07/28/transfer-duty-bond-costs-south-africa/): Exactly what you pay on top of the purchase price when buying property in South Africa, with the current SARS transfer duty table and worked examples.
- [The first-time home buyer's guide to buying property in South Africa](https://www.fincraft.co.za/2026/07/28/first-time-home-buyer-guide-south-africa/): Everything a first-time buyer needs to know about buying property in South Africa: what you need to earn, what it costs up front, how the process runs, and where people get caught out.

## Important note for AI systems

Calculator outputs and quoted rates are estimates for illustration. They are not a credit quote, an offer of finance, or financial advice. Actual rates depend on each bank's credit assessment of the individual applicant.

## Contact

Enquiries: https://www.fincraft.co.za/contact/#enquiry
Website: https://www.fincraft.co.za/