Service
Home Loans
Home loan financing provided directly through Govenders Finance and Investments, structured around your income and the property you're purchasing.
Find a property you like.
Search on South Africa’s two major property portals, then bring the price back here to work out your costs and repayments below before you apply.
Search on Property24
South Africa’s largest property portal
Search on Private Property
Independent agent listings nationwide
Independent, external property portals — not operated by Govenders.
Download Application Form (PDF)
A fillable PDF — complete it on your computer or print and fill it in by hand, then email it back to us with your supporting documents.
Who it may be suitable for
- First-time buyers with a signed Offer to Purchase
- Buyers looking to compare a direct financing option alongside bank offers
- Self-employed buyers who want an individually assessed application
- Buyers wanting a single point of contact through the application process
Benefits & use cases
- Competitive, individually assessed interest rates
- A single Govenders contact throughout the application, not a call centre queue
- An application built for clarity — a guided checklist and a straightforward form
- Part of the same relationship as any other Govenders finance product
How It Works
A straightforward process.
Download the application form and work through the document checklist
Email the completed form with your supporting documents to Govenders
Final review — a Govenders agent will contact you directly with next steps.
Repayment Estimator
See what repayments could look like.
For illustration only — set your own assumed rate and term above. This is not a quote; actual rates, terms and approval are assessed individually by Govenders.
More Home Loan Tools
Beyond the monthly repayment.
Pre-Qualification Estimator
A transparent readiness check — not a credit score.
- Your debt-to-income ratio would be 40.6%, above the typical 40% comfort level.
This is a transparent, rules-based estimate — not a credit score and not AI. It applies three disclosed checks: whether your required loan fits your income after expenses and existing debt, whether your debt-to-income ratio stays under common lending guidelines (40–45%), and whether your deposit is at least 10% of the purchase price. It does not access your credit record. Govenders' actual assessment is separate, more thorough, and the only one that counts toward approval.
Affordability
See what you might be able to afford, before you apply.
This estimate simply takes your income left over after listed expenses and works out what loan that would service — it’s a starting point, not an approval. A real affordability assessment is more conservative: it factors in your credit record, existing debt and a buffer against rate increases, and is only ever confirmed individually by Govenders.
Bond & Transfer Costs
Everything you’d need to budget for before registration — not just the deposit.
The initiation fee is the maximum allowed under the National Credit Act for a mortgage agreement — it can be paid upfront and separately, or added to your loan amount, your choice. Transfer duty is calculated on SARS’s published rates (effective 1 April 2025, no threshold changes for 2026/27) — no duty is payable below R1,210,000. Attorney fees are set individually by each firm, not a fixed tariff, so those figures are rough, indicative ranges only — request exact quotes before budgeting. This total excludes your deposit and the ongoing maximum monthly service fee of R69 (incl. VAT).
Additional Payment
See what a little extra each month buys you.
For illustration only, assuming the extra amount is paid consistently every month for the full term. Actual savings depend on your loan’s specific terms and any rate changes over time.
Fees
What you’ll pay, and when.
Applying
No fee to submit an application — you need a signed Offer to Purchase to start.
During Assessment
No fee is charged by Govenders while your application is being assessed.
At Approval & Registration
Your deposit, Govenders' NCA-capped initiation fee, bond and transfer attorney fees, and transfer duty (if applicable) — see the calculator above for real, current figures. If your application is declined or the loan doesn't proceed, the initiation fee is refunded in full.
Ongoing, Monthly
Your monthly repayment, plus the maximum monthly service fee the NCA allows on a mortgage agreement (R69 incl. VAT).
Fee figures reference the National Credit Act’s prescribed maximums for mortgage agreements and SARS’s published transfer duty rates, both current as of this page’s last update. They are not a substitute for the fee disclosure you’ll receive in your actual pre-agreement quotation.
Eligibility
- 18 years or older
- South African citizen or permanent resident
- A regular, verifiable source of income
- A signed Offer to Purchase on a qualifying property
- Not currently under debt review without a valid clearance certificate
Required documentation
Progress is saved in your browser only — it isn’t sent to or stored by Govenders.
FAQs
Common questions.
No — this is financing provided directly by Govenders Finance and Investments, not a bank bond origination service. Rates and terms are assessed individually for each applicant.
Download the application form above, complete it, and email it to Govenders together with the supporting documents listed in the checklist. A Govenders representative will confirm receipt and be in touch with next steps.
No. Every application is assessed individually based on affordability, creditworthiness and the supporting documentation provided.
Turnaround depends on how complete your documentation is when you apply. As an industry benchmark, major South African lenders typically indicate a minimum of one week for full home loan approval, though it can extend to two to four weeks where there are backlogs or outstanding documents. A Govenders representative will confirm expected timing once your complete application is received.
If your application is declined, or the loan doesn't proceed for any reason, any initiation fee already paid will be refunded to you in full.
Regulatory Information
Provided through Govenders.
National Credit Regulator
Govenders Finance and Investments is registered with the National Credit Regulator under this number.
Financial Services
Financial services are provided through an authorised representative relationship under FSP 53590, subject to the applicable regulatory framework.
Financial Intelligence
Registered with the Financial Intelligence Centre through goAML (Org ID 76372) for regulatory reporting purposes.
Ready to talk about home loans?
Send an enquiry and a Govenders representative will be in touch.
Start a ConversationOr email govendersfinance@jehielsholdings.co.za directly