This product is especially structured to assist first time buyers to include the funds for the transfer and bond registration into their home loan. This product enables buyers to take up a bond up to a maximum or 100% to the value of the property. This product is for clients who want to build a new dwelling on vacant land or to improve existing property. Taking up a further bond on existing property: The product is for existing homeowners, where the value of your property is more than the outstanding bond. You can then apply for a further bond. The funds can be used at the client's own discretion. This is a service we can offer when the client is not happy with the current rate on existing bond or with the service. We can then apply to even or better the existing rate at a different bank. The client can also apply to increase the existing loan amount. There are no fees payable to us for our services. We are outsourced and deal directly with the four major banks in South Africa: ABSA, First National Bank, Standard Bank and Nedbank. We also negotiate reduced attorney fees.