The home is the dream.
The bond shouldn't be the nightmare.
Our in-house bond origination service, powered by ooba home loans, shops your application across every major bank so you get the best rate without the legwork. Prefer your own provider? That works too.
Apply For A BondOne application. Every major bank.
Instead of applying to one bank and hoping, our in-house bond origination service submits your application to all the major banks at once and negotiates on your behalf. You compare real offers and choose the best rate. It costs you nothing, the bank pays the originator.
RES Finance runs on ooba home loans.
Our in-house bond origination service is powered by ooba home loans, South Africa's largest home-loan comparison service. One application is submitted to all the major banks, so you get the most competitive rate without the legwork.
See what you can afford and repay.
Two quick tools. Estimate the bond you could qualify for, or work out the monthly repayment on a specific home. Indicative only, your real offer comes from the banks.
How these numbers are worked out
Affordability. South African banks apply the National Credit Act affordability rules. We estimate your maximum bond repayment as the lowest of three limits:
- 30% of your gross monthly income;
- 36% of your gross income, less your existing debt repayments;
- your net (take-home) income, less your existing debt and living expenses.
The lowest of these becomes your maximum repayment, which we convert into a bond amount using the repayment formula below. Net income and expenses are optional, leave them blank and we use the gross-income limits only.
Repayment. Calculated with the standard amortisation formula used by every bank: M = P × r(1+r)n ÷ ((1+r)n − 1), where P is the bond amount, r is the monthly interest rate (annual rate ÷ 12) and n is the number of months.
Estimates only. Your actual offer depends on a full credit assessment by the bank.
These calculators provide indicative estimates only and do not constitute a quote, an offer of credit, or financial advice. Your actual bond amount, interest rate and repayment are determined by the banks based on a full credit assessment. Real Estate Services is not a registered credit provider; bond origination is facilitated through accredited partners.
From application to approval.
Apply Once
Submit a single application with your details and the property you're after. Five minutes, online.
We Shop The Banks
Our in-house team, powered by ooba, submits to all the major banks and negotiates competing offers on your behalf.
You Choose
Compare the real offers side by side and accept the best rate. No cost to you for the service.
Better odds. Better rates.
Use our service, or your own.
Every buyer is different. Run your bond through our in-house origination service, or bring your own preferred provider. Either way, the home is yours to chase.
RES Finance
Let our in-house team handle it end to end, powered by ooba home loans.
- One application to every major bank
- Expert originators negotiate your rate
- No cost to you, the bank pays the originator
- We chase the paperwork, you choose the offer
Bring Your Own
Already have a banker or originator you trust? No problem at all.
- Use any bank or bond originator you prefer
- We'll work alongside them to close the deal
- No pressure to switch, your finance, your call
Get your home sweet home loan.
Have a question about your bond? Send a note straight to an ooba Property Finance Specialist and they'll come back to you.
Email an ooba specialist
Click below and your email will open with everything laid out. Fill in your details, hit send, and a specialist will be in touch. Your enquiry goes directly to ooba.
Email A SpecialistOr write to us directly at RESbonds@ooba.co.za
Let's get you the best bond.
One application, every major bank, no cost to you. Start now and we'll do the rest.
Apply For A Bond