We will require a copy of the individual's PROOF OF IDENTIFICATION in all circumstances.

• That is a South African barcoded ID (back and front of a smart ID) for a South African resident.
• For a non-resident, temporary resident, or South African living abroad, we will require a copy of a valid passport and a current visa.

We will also require PROOF OF OWNERSHIP:

• When purchasing a property, that is a copy of the offer to purchase.
• When mortgaging an unbonded property, it will be a copy of the title deed.
• In the case of obtaining the property in a divorce order, we require a copy of the divorce decree.
• In the case of inheriting a property, we need a letter from the estate executor.

Where applicable, a copy of the applicant's marriage certificate.

All applicants are to download and complete the EXPENSES SPREADSHEET, the PROTECTION OF PERSONAL INFORMATION (POPI) CONSENT FORM, and the ADDITIONAL INFORMATION SPREADSHEET.

• Employed individuals
• Self-employed: Individuals owning a business or more than 20% share in a business in SOUTH AFRICA. Non-resident business owners will be considered only under exceptional circumstances. Please address this with one of our consultants. 
• Buying the property in the name of a company
• Buying the property in the name of a trust
• Building a home
• Other Income

• A copy of your latest payslips. If your salary fluctuates, we will require a copy of 6 months' payslips to establish an average.
  
  
• A copy of 3 months' stamped bank statements of the account into which your salary is paid. Should the latest statement be older than one week, kindly provide us with a transactional history of the account from the last statement to date. 
  
  
• A copy of the full employment contract IN BUSINESS ENGLISH is required where an individual is:
• a contract worker,
• working for their current employer for less than 3 months,
• a South African citizen working abroad,
• a temporary resident in South Africa
• a non-resident
  

• A copy of your company's latest signed-off financials with year-on-year comparable figures for 2022 and 2023.

• A copy of management accounts from the beginning of the current financial year (usually 1 March) to date, not older than 2 months, must be dated and signed by the self-employed applicant.

• A copy of 3 months' stamped business bank statements. We will require 6 months required if the business is not a registered company.

• A copy of 3 months' stamped personnel bank statements. We will require 6 months required if the business is not a registered company.

• Should your company issue you a payslip, please provide us with the latest copy. If your salary differs from month to month, we will require 6 months' payslips to establish an average.

• A letter from your accountant confirming your personal income/drawings and percentage shareholding.

• Download and complete the STATEMENT OF ASSETS AND LIABILITIES.

When considering purchasing property in a company or trust, we advise you to ponder the issues raised in our article "SHOULD I PURCHASE PROPERTY IN THE NAME OF A COMPANY?". Furthermore, the banks will not finance property in a trading entity.

• A copy of the trust deed.
  
  
• A copy of the Master's Letter of Authority listing all the trustees.
  
  
• A resolution declaring the property to be purchased, allowing it to be mortgaged to the bank, and confirming the signatory authorised to sign on behalf of the trust.
  
  
• A copy of your trust's latest signed-off financials with year-on-year comparable figures for 2022 and 2023.
  
  
• A copy of management accounts from the beginning of the current financial year (usually 1 March) to date, not older than 2 months, must be dated and signed by the applicant trustee.
  
  
• A copy of the trust's 3 months' stamped bank statements.
  
  
• Solvency Certificate. 
  
  
• A letter from the trust's accountants declaring the trust's income and any trustees in a supervisory capacity.
  

• Proof of identification of the founder, trustees and beneficiaries.

It is essential to familiarise yourself with this product, and we urge you to read ALL YOU NEED TO KNOW ABOUT BUILDING LOANS.

• Building Contract

• Builder's Valid NHBRC Certificate

• Building Plans. These do not need municipal approval before applying for a home loan. However, they need to be approved before registration of the mortgage bond.

• Detailed Building Quotation signed by contractor and applicant.

• Schedule of Finishes

Future rental income will not be considered.

• A copy of a valid lease agreement.
• Download and complete the PROPERTY PORTFOLIO SPREADSHEET

A copy of the divorce decree and/or the maintenance order.

A copy of all minors' birth certificates.

A copy of the investment statement.

Payout remittance advice or schedule.

The banks consider independent consultants as being self-employed. Please provide us with documents as per self-employed individuals, or alternatively:

• A copy of the latest tax assessment (IT34A).
• Or, under exceptional circumstances, the amounts evident in 6-months invoices or remittance advices will be considered.