Own Your Dream Property
With Zero Stress
First-time buyer · Investor · Upgrading
Get your free bond estimate in 60 seconds — no commitment, no fees.
How it works
Three simple steps to clarity on your home loan.
Get your estimate
Answer a few questions about income, deposit and goals. Takes under a minute.
Multi-bank comparison
We compare options across major lenders so you see the best available terms.
Director-led support
Speak directly with a MORCSA-registered director — no call centres, no run-around.
Who we help
First-time buyers
Clear guidance on affordability, deposit strategies and the full application process.
Investors
Structure deals correctly and compare investment bond options across lenders.
Upgraders & switchers
Move home or refinance with a clear view of costs, rates and timelines.
Self-employed
Specialist handling of financials, tax returns and lender requirements.
Why Lighthouse Bonds
You deal with the decision-maker, not a junior consultant or call centre.
Corporate member of the Mortgage Origination Regulatory Council of South Africa.
Compare real options across major lenders instead of being locked into one bank.
Our service is free to the client. We are paid by the lender on successful registration.
Frequently asked questions
Straight answers about the bond estimate and process.
You provide basic income, expense and deposit information. We calculate an indicative affordability and repayment range. It is free, takes about 60 seconds, and carries no obligation.
Correct. The estimate and our advisory service cost you nothing. You only proceed if and when you choose to. We are remunerated by the bank on successful bond registration.
In most cases we can guide you to a formal pre-approval within 24 hours once the required documents are in place. Timelines depend on the lender and completeness of information.
Yes. We regularly assist self-employed applicants. You will typically need recent financial statements, tax returns and proof of business registration. We help present the file in the format lenders prefer.
A stronger score improves options and pricing, but we work with a range of credit profiles. We will give you an honest view of your position and practical steps to strengthen an application where needed.
Our core focus is Gauteng and the Northern Free State (including Sasolburg). We can advise on matters outside these areas on a case-by-case basis.
Ready to know what you can afford?
Free estimate · No obligation · Director-led guidance
Get My Bond Estimate Now →Or talk to us directly: WhatsApp 083 748 7301