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FULL BOND APPLICATION

The complete application form is available to assist with the speed of the home loan application process.

Types of

LOANS

Ordinary Loan

FURTHER ADVANCE

BOND TAKEOVER

LIGHT COMMERCIAL

BUILDING LOAN

Required

DOCUMENTS

Salaried Applicants (S.A. Clients)
 Proof of income/latest 3 salary slips
 If commission is earned 6 months consecutive salary slips
 Latest 3 months bank statements, latest 6 months if commission is earned
 Copy of S.A. ID document
 Income tax number
 Copies of lease agreement where other properties are owned
 Offer to purchase
Pensioner applying for bond finance
 Latest pension statement from pension company
 3 months NON-INTERNET personal bank statements
 Copy of S.A. ID document
 Signed personal statement of income & expenditure
 Signed personal statement of Assets & liabilities
 Copies of lease agreement where other properties are owned
Non S.A Clients – working in S.A
 Proof of income (if commission latest 6 months payslips)
 Valid working permit
 Copy of employment contract
 Signed personal statement of income & expenditure
 Signed personal statement of Assets & liabilities
 Clear passport & residency permit
 Bank needs proof of 30%-50% deposit
 Latest 6 months Bank statements
Building loans
 Approved plans
 Schedule of finishes
 Building specifications
 Site plans, sizes & prices (sectional title)
 Signed building contract
 Offer to purchase on land
 NHBRC certificate ( builder and developer )
 NHBRC unit enrolment certificate (sectional title)
 Builders waver of Lien form
S.A. Clients – working outside S.A.
 Proof of income (if commission latest 6 months pay slips)
 3 months NON-INTERNET personal bank statements
 Valid working permit
 Copy of employment contract
 Signed personal statement of income & expenditure
 Signed personal statement of Assets & liabilities
 Copies of lease agreement where other properties are owned
 Work permit valid for 5 years
 Visa
 Employment Contract
 Latest 3 years IT 34’s
Self-employed/CC`s/PTY Applicants
 Copy of S.A. ID document
 Confirmation of drawings by Accountant/Auditor
 Signed audited business financials for past 2 years
 Signed assets and liabilities
 Signed income and expenses
 12 months projected cash flow/income forecast
 6 months business & personal bank statements
 Latest 3 years IT34’s
 Management accounts not older than 3 months
 Signed assets & liabilities + balance sheet
 Offer to purchase
 CK 1 and CK 2 of company
Sole Proprietor
 Latest signed management accounts
 Latest 3 months stamped business bank statements
 Latest signed assets and liabilities
 Latest 3 months personal stamped bank statements
 Latest 3 years IT 34’s
Further Advance
 All documentation required – depending on how client is employed / employment status
 Latest Rates and Taxes / Levy Accounts
 Reason for further advance
Trusts
 Full trust deed document
 Resolution
 Letter of authority
 ID copies of trustees
 ID copies or birth certificates of all beneficiaries
 Auditors letter confirming who is the independent trustee

 Additional requirement: If any rental income is earned on properties owned, a Rental schedule will be required

I hereby consent to Bond Providers using, storing and sharing my personal information with companies within its group and registered credit providers. I further agree to receive information about other products and services that Bond Providers thinks may be of interest to me. I acknowledge that I have the right to opt-out of such communications.

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