Prestige Home Loans

Prestige Home Loans Your Residential Home Loan Specialists

🏡 “I’ve banked with them for years. Surely I should just apply for my home loan there?”You absolutely can apply to your ...
03/09/2026

🏡 “I’ve banked with them for years. Surely I should just apply for my home loan there?”

You absolutely can apply to your own bank, but it doesn’t mean you should stop there.

Banks assess home loan applications according to their own lending criteria, which means the offers you receive can differ in interest rate, loan amount and terms.

Prestige Home Loans can submit your application to multiple major banks, giving you the opportunity to compare the offers available to you before making such a big financial commitment.

Your home loan could be with you for 20 years. It’s worth knowing what your options are before choosing one. 🏡

đź“© Thinking about buying a home? Speak to Prestige Home Loans about your application.
[email protected]

Happy Spring Day from Prestige Home Loans!A new season brings fresh beginnings, new plans and perhaps even a new place t...
01/09/2026

Happy Spring Day from Prestige Home Loans!

A new season brings fresh beginnings, new plans and perhaps even a new place to call home.

Wishing you a beautiful spring filled with sunshine, possibility and plenty to look forward to.

A bank consultant works for one bank. That's their job; that's who they represent.A bond originator works for you. We su...
27/08/2026

A bank consultant works for one bank. That's their job; that's who they represent.

A bond originator works for you. We submit your application to multiple banks at the same time, not just the one you happen to bank with.

That's worth knowing, because banks won't compete for your business unless someone puts your application in front of more than one of them. Your own bank has no real reason to mention that another bank might offer you a better deal.

There's no cost to using an originator either. We're paid by the bank that approves your bond, not by you.

Been declined by your bank before and assumed that was the end of it? It usually isn't.

Self-employed and thinking about buying? Tell us what's holding you back. Chances are we've seen it before.Being self-em...
23/08/2026

Self-employed and thinking about buying? Tell us what's holding you back. Chances are we've seen it before.

Being self-employed doesn't rule you out of a bond. It changes what you bring to the table.

A bank can't verify your income with a payslip, so it looks elsewhere. Financial statements. Tax returns. Business bank statements showing consistent income over time. More paperwork, not less possibility.

The applications that move quickest are the ones where everything is packaged properly from the start, not the ones sent to the bank piece by piece as it's requested.

Self-employed and thinking about buying? Tell us what's holding you back. Chances are we've seen it before.

19/08/2026

From signing the Offer to a final Bond grant in just 5days.

If you are looking for the same results and service.

CALL US TODAY - Prestige Home Loans and Real Estate Consultant Roxanne at Intro Resl Estate.

The bond timeline buyers may not realiseAn offer gets accepted and then it can feel like everything goes quiet for a few...
18/08/2026

The bond timeline buyers may not realise

An offer gets accepted and then it can feel like everything goes quiet for a few weeks. It’s easy to wonder what’s happening behind the scenes.

Once the offer is signed, the bond application goes in. The bank then works through affordability, credit checks and the property valuation before approval.

From there, attorneys are instructed for the bond and transfer, and those two processes continue alongside each other until registration.

There are quite a few steps happening in the background, even when it feels like you’re just waiting.

If you’re somewhere in the process and you’re not sure what stage you’re at, ask us. We’re always happy to explain where things stand.

What is a bond originator?A bond originator is the person who applies for your home loan on your behalf. Instead of walk...
09/08/2026

What is a bond originator?

A bond originator is the person who applies for your home loan on your behalf. Instead of walking into one bank and hoping for the best, they submit your application to multiple banks at once and negotiate the best interest rate they can get you.

Here's what that means practically. Banks compete for your business. When only one bank sees your application, you get one offer. When several banks see it, you're in a much stronger position, and the rate difference can add up to tens of thousands over the life of the loan.

It costs you nothing to use one. Bond originators are paid by the banks, not by you.

A good originator also knows which bank is more likely to approve your specific situation. Self-employed? Recent credit hiccup? First-time buyer with a small deposit? Some banks are more flexible than others depending on your profile, and that's not something you'd know walking in cold.

Applying for a bond isn't something most buyers do more than a handful of times in their life. We do it every day.

If you have a bond question you've been sitting on, or have not known where to start, Prestige is here to help.

Get in touch: [email protected]
www.prestigehomeloans.co.za

Today, we celebrate women. 🌷The women who lead, nurture, create, encourage, build, care, dream and keep going.The women ...
09/08/2026

Today, we celebrate women. 🌷

The women who lead, nurture, create, encourage, build, care, dream and keep going.

The women who are finding their way, starting over, reaching for something more, or doing their best each day.

Every woman has her own story, her own strength and her own journey.

Today, we celebrate all of it.

Happy Women’s Day. 💗🌸


The difference between pre-qualification and pre-approval.Pre-qualification is a quick estimate. You give a bank some nu...
30/07/2026

The difference between pre-qualification and pre-approval.

Pre-qualification is a quick estimate. You give a bank some numbers, and they tell you roughly what you could borrow. It takes minutes, and the number isn't backed by anything yet.

Pre-approval is different. The bank has checked your income, your expenses, your credit record, and has committed to lending you a set amount. That's the document that makes an offer to purchase stronger.

Here's where it goes wrong. Someone finds a house, makes an offer based on a pre-qualification estimate, and only starts the real approval process afterwards. Three weeks later, the bank comes back with a lower amount than expected, the deal is under pressure, and the seller has already had other offers come in.

Get pre-approved before you start viewing houses, not after you fall in love with one.

Ever had an offer fall through because the numbers didn't match up in the end? We'd love to help with your next application.

Great news for anyone planning to buy a home: the repo rate stayed at 7% this week, keeping the prime lending rate at 10...
24/07/2026

Great news for anyone planning to buy a home: the repo rate stayed at 7% this week, keeping the prime lending rate at 10.5%.

If you're currently applying for a bond, or planning to buy in the next few months, this gives you a little more certainty while you work out your budget and start looking for your next home.

You know the interest rate you're working with. You can get a clearer idea of what your monthly repayments could look like. You can get your bond pre-approval sorted before you start viewing properties.

That last part can make a big difference, because the last thing you want is to spend weeks looking at homes, find one you love, and then discover it's outside your budget.

A pre-approval gives you a much clearer idea of what you could qualify for before you start house hunting.

A few things worth knowing:

The interest rate and final terms of your home loan may be confirmed or adjusted when your application is formally assessed and approved.

Banks look at your full financial picture, including your income, expenses, credit history and deposit. It's not just about the interest rate.

So, if buying a home is on your plans for the next few months, this is a good time to get your numbers in order.

Know what you could qualify for. Know what your monthly repayments could look like. Then start looking at homes with a much clearer idea of what you can afford.

Want to find out what you could qualify for at today's rates? Send us a message. We're here to help make it happen.

📧 [email protected]

Address

Block B, Floor 1, Clearwater Corporate Office Park North, Corner Atlas Road And Merlin Drive
Boksburg
1459

Opening Hours

Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00

Telephone

+27107453804

Website

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