Olen - Bond Originator

Olen - Bond Originator Our full-service approach to home loan and bond finance will help you realize the dream of homeownership.

07/03/2026

Many first-time buyers are shocked to find that banks typically require a 40% deposit for land-only purchases.

However, there is a strategic way to bypass this hurdle.

By securing an established architect and a reputable building contractor, you can apply for a full 100% home loan through a Plot and Plan agreement.

We dive into the requirements for bond approval, the importance of a building contract, and how to position your application for success.

Whether you are buying in Cape Town or anywhere else in South Africa, understanding these property finance trends is essential.
Don’t let a deposit requirement stop your construction journey.

We specialize in helping first-time buyers navigate the bond application process with ease.

Ready to start?
Contact us for a pre-approval or bond application:
Email: [email protected]
WhatsApp: 066 036 9189

05/03/2026

If you have any questions about the home loan process, please feel free to reach out.

Our contact details are in our bio.

04/03/2026

Home Loans For Freelancers

How we shift the focus away from contracts and towards your total financial history.
By showing the bank a 3-year track record via your accountant, we can prove that your business is sustainable, even during the “ebbs and flows”.

Get in touch for your free pre-approval assessment:
Email: [email protected]
WhatsApp: 066 036 9189

02/03/2026

Buying a home is exciting, but the financial preparation can feel overwhelming. I recently consulted with a client who thought she might not be able to afford the home she wanted. She had two cars, and one had a very hefty monthly installment.

We crunched the numbers together and realized that by trading in that expensive vehicle for something more affordable, she could save R7,000 every single month. That decision completely changed her reality - she went from worrying about rejection to planning her purchase for her family!

In this video, I also share a “must-know” secret about protecting your credit score during this process. If you are shuffling your finances, you have to be careful not to let dealerships run credit checks with every bank in town. I want to help you take control of your application so you can walk into the market with confidence.

Get in touch for your free pre-approval assessment:
Email: [email protected]
WhatsApp: 066 036 9189

01/03/2026

Q: What about using equity for a second rental income house?

Many ambitious clients ask about using equity for a second rental income house.

Honestly, this is something that I’ve come across quite regularly!

If your existing property’s value has increased over the years, wanting to expand your portfolio and purchase a new property feels like the natural next step.

But there is a hidden catch you need to know about.
You must remember as a second time buyer that we can’t really qualify for the attorney fees, and the banks actually require deposit.

We could in fact leverage the equity from the existing property to raise the attorney fees and raise the deposit requirement.

Whether you are taking your very first step onto the property ladder or eyeing property number two, I am here to help.

Get in touch for your free pre-approval assessment:
Email: [email protected]
WhatsApp: 066 036 9189

28/02/2026

Don’t ruin your credit score before submitting your home loan application...

Buying a home is exciting, but the financial preparation can feel overwhelming. I recently consulted with a client who thought she might not be able to afford the home she wanted. She had two cars, and one had a very hefty monthly installment.

Get in touch for your free pre-approval assessment:
Email: [email protected]
WhatsApp: 066 036 9189

27/02/2026

… and on that note the financial year come to a close…

27/02/2026

Q. What is the cost to re-finance our bond?

Two ways to raise your existing home loan.

As a homeowner, deciding to upgrade your space or do extensive renovations is exciting, but figuring out how to pay for it can feel incredibly stressful!

A question I get asked all the time is about the refinance cost and whether it works just like an access bond.

Let’s clear up that confusion together.

Did you know you have two options when approaching your bank to raise your home loan?

1) If you just want to access the capital portion you’ve diligently paid off over the last few years, you can apply for a re-advance - and usually, this won’t cost you any extra registration fees!

2) But if you need a lot more finance than your original home loan value, there will be new registration costs involved.

Navigating the South African property market doesn’t have to be a solo journey.

If you need help figuring out the best way to finance your next big home project, reach out today for a pre-approval!

Get in touch for your free pre-approval assessment:
Email: [email protected]
WhatsApp: 066 036 9189

24/02/2026

The Hidden Upfront Cost of “Cost-Inclusive” Home Loans in SA

Thinking about a cost-inclusive home loan in South Africa? While these 105% bonds are excellent for first-time home buyers, there is a critical upfront cost you must understand. In this video, I break down why you still need cash readily available for Transfer Duty before registration.

Even with a leading bank’s cost-inclusive offering, SARS requires payment upfront based on your property’s purchase price. We explore the timing of these payments and how the reimbursement process works once your bond is registered. Don’t let your property transfer stall because of a lack of liquidity! Whether you are buying in Cape Town or anywhere else in SA, understanding these financial nuances is key to a stress-free bond application.

Ready to start your journey?
Get a professional pre-approval today to see exactly what you qualify for and avoid any surprises. Our team is here to help you navigate the entire home loan process.

Contact Olen:
Email: [email protected]
WhatsApp: 066 036 9189

24/02/2026

There is nothing more exciting - and stressful - than finally signing an Offer to Purchase! In this client consultation, we are celebrating a big win.

The seller’s agent reached out to me directly, which is usually a great sign that their offer is about to be accepted.

However, this wasn’t a “standard” application. We are dealing with foreign income from a Canadian company and a specific need for Islamic Finance. I explain why I am methodically cautious with pre-approvals for contract workers to ensure you are fully protected by your bond clause.

We also cover the money talk: breaking down the R48,000 estimated transfer cost and the good news about the 50% attorney discount available for first-time buyers. Whether you need Shari’ah-compliant finance or are earning dollars while living in SA, I’m here to help you secure that home.

Ready to start your home buying journey?
📧 Email: [email protected]
📱 WhatsApp: 066 036 9189

23/02/2026

Such great confirmation… 🤩

22/02/2026

Q: After being pre-approved, will the bank ask for more statements?

Your home loan pre-approval is generally only valid for 3 months.

Getting pre-approved for your first home is an incredibly exciting milestone, but the journey doesn’t stop there!

I often get asked: “If it takes me a few months to find the perfect house, will the bank need to see my bank statements all over again?”

The short answer is yes!
House hunting can take time, and a lot can happen in three months.

It is so tempting to celebrate your new financial milestone by upgrading your car, but I always urge my clients to hit pause on new expenses.

I recently helped a couple who waited a whole year, kept their expenses perfectly minimal, and finally secured their dream home as approved home buyers!

It takes patience, but protecting your bond approval is absolutely worth it.

If you are feeling overwhelmed by the home loan process or just want a trusted partner to guide you through buying property anywhere in South Africa, I am here to help.

Get in touch for your free pre-approval assessment:
Email: [email protected]
WhatsApp: 066 036 9189

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Cape Town
7925

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00

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A Little More About Us

Property Loans provides a comprehensive bond origination service. We will source your home loan finance from all the major mortgage lenders – ABSA, FNB, STANDARD, NEDBANK.

Our service is completely free to you. We are paid by the banks and this cost is not passed onto the client.

Established in 2006 Propertyloans.co.za has grown to one of the largest online home loan resources, offering independent mortgage advice and the latest South African home loan news.