Our services to you are 100% FREE! TopBond will apply to as many Banks as possible, with one application – saving you time and effort. Should your application be approved by the Bank(s), and you accept that one particular Approval, then the approving Bank will pay TopBond a commission on registration of the bond.

At TopBond we believe in giving something back to our loyal clients. Our services are FREE, on top of which, we will also give you a cash reward. YES, this cash will be paid directly into your bank account on the date that your bond registers – So you can spoil yourselves with a treat. Be it your first pizza in your new home, flowers, champagne, a movie, whatever your choice, ON US! 

TopBond will pay you a cash reward calculated on the Bank approved bond amount, provided of course that you do your final bond application using TopBond. The actual Cash Reward received by you the client, is  based on the actual Bank approved bond amount, and as per our Cash Reward tables. See out Terms and Conditions for more information.

With a Pre-Approval Certificate, you’ll know your borrowing power and be better prepared to make an offer. It also shows sellers and real estate agents that you’re a serious buyer. Getting a TopBond Pre-approval Certificate speeds up the bond approval process once you’ve found the right property. Since TopBond has already assessed your finances, you’ll be closer to getting that final bond approval from the Banks..

Yes, it is entirely possible to get a bond with Zero deposit. It all depends on your actual credit rating, affordability,  internal Bank scoring and more. However, remember that if you are able to pay a deposit, then the chances are good that you will receive a better/more favourable interest rate from the Bank(s).

First time home buyers are also able to get up to 108% Home Loan, dependent on them meeting certain qualifying criteria. This means that, in some instances, first time home buyers are able to get a bond which covers the full purchase price and also the bond and transfer registration costs.

TopBond will get your signed permission to do a Credit Enquiry with one of the Credit Bureau’s. This report will reflect your current credit rating, and will also give a full overview of all the credit accounts that you currently have, the Credit Report will also provide a record of your Payment Profile for the past 24 months as well as confirm all your personal particulars, such as telephone number, work address etc. The Banks use the Credit Report as a starting point with your bond application, and as such it is a very important part of the bond process. You will receive a copy of the Credit Report, as soon as TopBond receives it back for the Credit Bureau.