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Home loan pre-approval
Know exactly what you qualify for before you make an offer. Sellers and estate agents take pre-approved buyers seriously, and it stops you falling in love with a house you cannot finance.
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Whether you are buying your first place, moving up, building, or paying too much on a bond you already have — the process starts the same way.
FinCraft arranges home loan finance at every stage of the journey — from a first pre-approval through to refinancing a bond you already hold.
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New home loan finance
One application, submitted to ABSA, FNB, Nedbank, Standard Bank, Capitec and more. We put the offers side by side and push the banks to compete on your rate.
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03
Refinancing and bond switching
Already paying off a bond? We test your current rate against the market. A drop of even 0.5% can save tens of thousands of rands over the life of the loan.
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04
Bridging finance
Cash advanced against the pending proceeds of a property sale, so you are not waiting on registration to pay a deposit, transfer costs or a move.
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05
Building loans and further advances
Finance for building from scratch, or unlocking equity in a bond you already hold to fund renovations and improvements.
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06
Applications with an impaired credit record
A low score is not automatically a decline. We know which banks take a broader view, and how to present an application that gives you the best chance.
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From first call to registered bond
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01
Tell us about you
A short conversation about your income, your commitments and the kind of property you are after. Ten minutes, on the phone or over WhatsApp.
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We package the application
You send one set of documents. We check every page before it goes anywhere, because a clean file is the difference between an approval and a decline.
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Every bank responds
Your application goes to all the major lenders simultaneously. Offers come back within days, and we lay them out side by side in plain language.
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We negotiate, you sign
We take the strongest offer back to the others and ask them to beat it. You pick the winner and we see the bond through to registration.
Find out what you qualify for — free
A short call is all it takes to know your number. No cost, no obligation, and no impact on your credit score for an initial assessment.