Lowest Rate Bonds | My Bond Quotes

Looking for the best deals on bonds? ooba bonds offers some of SA's lowest bond rates to help you afford that dream home. Get your bond application approved within days – start the process now by getting a free bond quote, or check out their bond calculators to get a rough idea of what you can afford. Also be sure to check out ooba Search – their property search engine – for the best deals on SA's hottest property!

Lowest interest rates = biggest bonds

Getting the biggest bond at the most competitive interest rate is generally the homebuyer's first priority – whether you're a first-time property buyer or a seasoned investment buyer. Securing the lowest bond rates will depend not only on your personal financial circumstances, but also on the negotiation skills and business acumen of your bond origination company.

With more than two decades of bond origination experience under their belts, ooba (formerly Mortgage SA) are experts at negotiating the lowest bond rates – and securing the biggest bonds.

Bond calculators are fine – but bond quotes are better

Using a bond calculator will give you a rough idea in terms of bond affordability – it'll give you an estimated figure for how big a bond you can afford, and what the monthly repayments will be – yet these amounts aren't cast in stone. The fastest way to find out what you could qualify for is to contact a seasoned ooba bond originator for an obligation-free quote. If you're not quite ready for that yet, you can use the ooba bond calculator to determine hypothetical monthly bond repayments and play with approximate interest rates to get a rough indications as to what bond you could afford.

Get a pre-qualified bond quote now

Simply submit your contact details and we'll contact you to calculate the size bond you could pre-qualify for now:

Securing the lowest bond rates takes an uber bond company!

As one of South Africa's leading mortgage origination companies, ooba is uniquely positioned to negotiate the best bond deals on your behalf. Thanks to a longstanding working relationship with South Africa's leading banks and mortgage lending institutions, ooba are superbly versed in originating low interest rate bond solutions that truly meet individuals' requirements.

The home of some of SA's lowest rate bonds

When it comes to bonds, affordability is key. SA bond companies like ooba, Bond SA and SA Home Loans' bond origination consultants will help you find the bond solution that suits your personal financial situation and needs. ooba offers a flexible range of bond solutions, including pre-qualified bond solutions for greater confidence when shopping around for your dream home.

Don't let rising interest rates keep you out of the property market – you also have the option to secure your bond rate! Find out more about fixed-rate bonds here, or find out more about the benefits of variable-rate bonds.

Bond companies such as ooba also offer bond cover options, yet getting multiple bond cover quotes from independent bond cover providers is highly advisable to secure the best deals. In addition to bond cover, ooba also offers homeowners home content insurance, so it's certainly worth investigating if you'd like a single financial service provider for all your home insurance and bond assurance related needs.

Request a free bond finance consultation from ooba now, or get some more bond finance information here.

Access bonds vs. Elasti Bonds

When you take out a bond, you may also qualify to use your bond as a line of credit. This generally enables you to use your own bond equity as you see fit, without having to get authorisation from the lending institution, as would be the case when you apply for a personal loan with your bank.

Standard Bank, for example, has packaged their bond loan offering as an AccessBond, whereas Virgin Money calls theirs the Elasti Bond. Find out more about the Virgin Elasti Bond (also mistakenly referred to as the "elastic bond") here.

In addition to access to this being type of ‘bond loan' being automatic, the bond interest rate will be the interest rate you pay on this line of credit, making it substantially more affordable than credit card debt or personal loan debt. Many homeowners also opt to use their bond for debt consolidation purposes, and financial institutions may use low bond interest rates to entice existing bond customers to move their business – and existing debt – over to a new bank or bond lending company.

Contact ooba now for bond advice and an affordable bond quote. SA's lowest-rate bond solution is but a click away!

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