Know what it's worth.
Know what to offer.
Know how to approach the banks.
Before you make an offer, Bond builds you a personal Property Strategy: a price reality-check, your negotiation range, an affordability stress-test and a plan for approaching the banks.
Free to serious buyers. Prepared by a real bond originator from actual sales, valuation and bank data. The Deal Check tool is still being built — register your interest and we'll let you know when it's live.
Sample: 3-bed family home
Most bond originators show up after you've signed. FreeBond ideally starts before you even browse.
Ideally we're involved before browsing even begins, with a formal pre-approval so you can shop with confidence. The biggest money decisions happen early: what you pay, and how the banks see you. That's where your Property Strategy works for you.
Everything a buyer wishes they'd known before offering.
Eight parts, written in plain English for your property and your finances.
Price reality check
Recent sales and the municipal value, so you know if the asking price holds up.
Your negotiation range
An evidence-based opening offer and a ceiling, so you never negotiate against yourself.
Affordability stress-test
Your repayment against your income, at today's rate and at higher ones.
Rental evidence
If rent will help you qualify, we back it with real local rental comparisons.
Total debt exposure
How banks weigh your existing loans plus the new one, and how to present your file.
Which banks, and how
A submission plan across the major banks, so you apply once and compare real offers.
Rate and pricing strategy
What moves your interest rate, and how to use competing offers to bring it down.
Due diligence and document pack
The checks to make before you commit, like approved plans, and a checklist so the banks get a complete file.
See what you'd get.
An illustrative example based on our client strategy reports. The buyer, property and every figure are invented.
This is an excerpt. Your own strategy covers your property, your finances and your banks.
The rate is where the big money is.
On a R2 300 000 bond you repay about R7.73 million over 30 years at prime. Half a percent off the rate is worth about R309 500 over that time, roughly what you'd save by negotiating R92 000 off the price. That's why FreeBond fights for your rate as hard as for your price.
Play with the rate
R2 300 000 bond, prime at 10.75% (effective 25 September 2026; SARB MPC decision of 23 Sep 2026 (SAnews)). Illustrative: your real rate is each bank's decision.
Your rate: 10.25%
The rate also sets how much a bank can lend you. At this rate, a 30% repayment cap on R85 000 a month supports a loan of about R2846000 on a 30 year term (rounded to nearest R1 000).
Why one approval isn't enough
One approval gives you one offer to accept or decline. Several approvals at the same time mean the banks are pricing against each other, and each offer becomes a benchmark to beat. It also protects your timing if one bank values the property low or declines.
A well-prepared purchase, on this sample
Example only, not a promise. Outcomes depend on the seller, the bank's valuation and each lender's pricing.
Start free. Go deep when you're serious.
Deal Check
Add a property and your numbers, and see how the asking price compares with recent sales, your monthly repayment and whether it passes an affordability test.
Free for every property you're weighing.
Full Property Strategy
Found the one? We prepare your complete strategy: value, negotiation range, debt exposure, bank plan and checklist. Reviewed by a real originator.
We'll confirm timing when you register your interest.
Bond takes it to the banks
When you're ready to offer, your prepared pack goes to the major banks together. We compare the offers with you and negotiate the best rate and terms.
You choose which offer to accept.
Straight talk about “free”.
A full Property Strategy takes real expert time, so we keep it for serious buyers: you have a specific property in mind and you plan to apply for your bond through FreeBond.
Comparing several places? Run a Deal Check on each, then we go deep on your favourite. If that deal falls through, talk to us about your next one.
It's free to you because the banks pay FreeBond when your bond is registered.
Check you qualify
- Run a Deal Check on the places you like. When one stands out, come back for the full strategy.
- Try the free QuickCheck and pre-approval first. Your full strategy is built on the same information, so it needs to be the route you take.
The Deal Check is still being built. Register your interest and we'll let you know when it's live.
Questions buyers ask
Found a home? Register your interest.
See if the price and the numbers stack up before you commit to anything. The Deal Check tool is still being built — register your interest and we'll contact you.
FreeBond is an independent home-loan origination facilitator for South African property buyers. FreeBond is not a bank, registered credit provider, attorney, or conveyancer.
Property Strategies and Deal Checks are indicative only. They are not a property valuation, legal or tax opinion, credit assessment or guarantee of approval.