The introduction of the National Credit Act, raising property prices and increased rates, is without any dought making property ownership increasingly difficult.

It must also be noted that the New Credit Act has also allowed the major banks to change there qualifying criteria.

So, before you may have applied for a bond and been denied by all banks based on factors beyond your control, today the major banks all use different qualifying criteria which means you have a better change of being granted a bond by each bank you have applied.

Why Use De Lucia Group for Bond Origination

Our Bond Originator negotiates with the banks for the best service and products that the banks have to offer. It is because of this that the banks have become more competitive and offer better Mortgage products and services.

De Lucia Property, through our network, is able to apply to multiple banks, ensuring you get the best rates and service, and ensuring that your application gets approved faster.

Benefits of Dealing with De Lucia Group

1. There is no need to fill out multiple forms at each and every bank. Our originators will advise on correct documentation, collect all necessary documentation to ensure the application runs smoothly.

2. Only one application form is required that will be submitted to the four major banks (FNB, ABSA, STANDARD BANK, NEDBANK). All that’s left is for you to decide which one to use.

3. Our Bond Originators have excellent relationships with the banks. This makes negotiating lower rates for your loan easier than trying to negotiate this yourself. Lower rates save you thousands over the term of your loan.

4. Bond Origination Services provided are totally free.

Our bond originators have a thoughrer understand of the overall application process, and will ensure that all the necessary documents are collected upfront before submitting your application. Our consultants are specialised and thus will ensure you obtain the best deal at the lowest interest rate.

Please feel free to speak to one of our consultants to find out exactly what is required. Alternatively, you can click here to apply online.

Useful Links

Online Bond Application (coming soon)
Bond Calculator (coming soon)
Bond Transfer Process (coming soon)