What is a Bond Originator and what do they do?
087-151-4712 info@paynelessbonds.co.za 087-151-4712 info@paynelessbonds.co.za Reading time: 1 Min From specialist advice to lower interest rates, using a Bond Originator as your personal home-loan consultant can only be beneficial. What is a Bond Originator? Welcome...
Can I lend extra money for renovations to the property I am buying?
Reading time: 1 Min
If your credit score and affordability allows a 100% bond as well as the extra money for the renovations, the banks will pay the full purchase price out on registration of the bond, but the money for the renovations will be held back on retention and only paid out, once the work had been concluded.
Tips on what creditors consider as reasons for decline
Reading time: 2 Min
Being refused credit can be frustrating – but it can happen on any credit application you make, be it a credit card, loan, or new mobile phone contract. Not getting credit can be really inconvenient and affect your best-laid plans.
Self-employed – Is It Harder To Get Onto The Property Ladder?
Reading time: 2 Min
Although it’s widely known that getting onto the property ladder will be tricky for most first-time buyers, research from Nedbank suggests that for self-employed people, it might be even more of a challenge…
Technology and the mortgage industry
Reading time: 2 Min
The similarities in the estate agency industry are many and have been going for a bit longer. Thoughts two or three years ago pointed to the possibility of complete property transactions…
First-time home buyers guide
Reading time: 2 Min
What benefits would a first-time buyer have, when applying for a home loan?…
Facebook Reviews
Courtney Loots
11:20 09 Jan 24
We all know buying a house is a super stressful transaction but I can honestly say that through the help from the... Payneless Bonds team, our bond application was stress free. They went the extra mile for us around every corner and we will forever be thankful to them. Thank you so much againread more
Jason Uys
08:29 08 Nov 23
I was truly amazed at the amount of help that was available to me, in my applying for a personal loan. I had imagined a... long wait whenever I called with a question about the loan. By the time my telephone rang three times at your end, someone was there on the phone to answer my question.I applied for the loan and it was approve less than 15 mins ,also deposited into my account within 24hours. Great attitude and a quick answer.you can contact them for more info via email:royaltyfinance2@gmail.com and also you can reach to them on whatsapp/call:+27665343759,if you need to get more reviews kindly link on these page:https://web.facebook.com/groups/2354972591307205 ,Thank you so much for such a great experience.read more
Bryce Padoa
10:17 28 Sep 23
Thank you Sanette and Team. Fantastic, Prompt service. Always professional, yet personal and helpful.
Inge du Plessis
17:59 18 Jul 23
The PayneLess Bonds team is excellent! They ensured that we received the best bond and interest rate - in less than a... week! Sanette helped us SO much as first time buyers and she made time to explain things that we were uncertain about - all while giving us daily feedback as the process unfolded. Thank you Sanette and team. It was a pleasure!read more
Jessica Jane Voerman
07:11 02 Dec 22
What an absolutely brilliant experience! Working with Sanette and her team was a lesson in professionalism, experience... and competence. Thank you for making it effortless.read more
Tanya van Aswegen
15:49 03 Aug 22
We have used Sanette & team for many years, they are beyond Professional & Sufficient. Thank you for another Successful... bond approval, it's always such a pleasure to work with Payneless bonds! We will recommend them to anyone who needs assistance in applying for your homeloan.read more
Hassan Gift Enyojo
22:21 28 Jun 22
Switched my trading to Mrs charlotte wayne FX. a few months ago after going through a lot of losses ,I invest with her... and let her manage my account. Was so impressed with the service and I switched brokers to them. So far I invested $1500 and Earned $26,450 After 7days of investing and I’m getting used to their platform. Happy to continue trading with Mrs charlotte wayne FX, may God continued to bless you ma'am. You can also contact her if interested.
Email: charlottewayne303@gmail.com
WhatsApp +39 351-093-7250.read more
Email: charlottewayne303@gmail.com
WhatsApp +39 351-093-7250.read more
Kerry Bryce-Borthwick
10:51 28 Jun 22
Thank you so much to Alicia and Sanette from PayneLess Bonds. You have made a stressful process an absolute breeze. You... work to the highest standard and deliver every time. Thank you for your incredible work ethic and amazing service. You are highly recommended when buying a house. Thank you for making our dream come true. xxread more
Nokuzola Mathebula
14:47 30 May 22
PayneLess Bonds offers excellent service definitely recommend them.
Manny De Souza
11:29 06 May 22
PayneLess Bonds Excellent Service and Professional Advice given at all times. Really goes the extra mile. Thanks... Sanette & Team!!read more
Helen Rose Voges
08:20 19 Apr 22
Absolutely fantastic service. Sanette and Colleagues were outstanding. They truly made this easy, quick and... 'Payneless'.
Well done on a 5 star serviceread more
Well done on a 5 star serviceread more
Steven En Wianda Pretorius
07:02 10 Mar 22
Sanette en Span was uiters deeglik met ons verband aansoek. Ons het vir jare lank gesukkel om n huislening te kry,... omrede ek en my man albei in besigheid is. Baie baie dankie Payneless bonds, ons beveel julle n 100 keer aan!read more
Theuns Goosen
12:47 28 Feb 22
Fast and reliable, Nicole de Metz assisted us with the process and was very very helpful and spot on. No delays or... waiting for paperwork or any feedback THANK YOU PAYNELESS BONDSread more
Crizelda Terblanche
12:31 10 Feb 22
Beste Service en delivery ooit!!! Sal beslis weer Payneless Bonds gebruik
Jennifer Meneghelli
18:39 09 Feb 22
Excellent, personal service. My bond was sorted in no time and everything was explained clearly to me
Salamina Kgole - Letlape
15:32 07 Feb 22
I was approved for the bond within a week. PayneLess Bond really made difficult work easy.
Catherine Scheepers
09:14 17 Jan 22
Exceptional service in record time. I highly recommend Payneless bonds. They went out of their way to get me the best... deal.read more
Raymond Moyana
15:02 17 Dec 21
I got Exceptional, On point, Extra-ordinary service from Sannete and Team. Along the way I was wondering what I did... to deserve such great Service!! halala PayneLess Bonds halala. With you all the way!!!read more
Jesica Dick
10:52 19 Nov 21
Exceptional and fast service from Sanette and the Payneless Bonds team.
They kept in contact with me throughout... the whole process and explained everything to me thoroughly.
They helped me make the impossible possible.
Thank you for helping me get my dream home.read more
They kept in contact with me throughout... the whole process and explained everything to me thoroughly.
They helped me make the impossible possible.
Thank you for helping me get my dream home.read more
Cynthia Ntozyny
10:43 12 Oct 21
Excellent and fast service, no errors straightforward. Best service ever received.
Divan Flemming
19:52 25 Aug 21
Would like to say thank you for the amazing and professional service. We were kept up to date every day on the process... progress. Nothing is too much for this team.read more
Bernette Flemming
10:06 25 Aug 21
Puik diens! Baie dankie dat julle die hele proses so maklik en gerieflik gemaak het vir ons!
Tanya Jonker Gates
12:24 27 Jul 21
As first time home owners we where so nervous but you have made the process so much easier thank you
Martelie Burger
07:56 26 Jul 21
Thank you for helping me, You did what no one else could do in the past 2 years!!!
Zuan 'Coenraad' Pelser
08:12 05 Jul 21
Eerste en enigste plek wat ons (die hele familie) bel indien ons 'n huis lening benodig!!! Vinnig, passievol,... professioneel. Payneless Bonds verrig wonderwerke vir hulle kliente.read more
Chanel Du Toit
13:45 02 Jul 21
Wonderful, professional and incredibly patient service. Thank you so much
Milton Milaras
13:40 29 Jun 21
We received the most singularly exceptional service from Sanette at PayneLess Bonds. Would unreservedly recommend them... to anyone looking for a bond originator!read more
Tiaan Smal
07:30 28 May 21
Payneless Bonds was by far the quickest easiest and painless people to work with I did submit my application throught a... few companies and sanette and her team at payneless Bonds helped me without a hassle , and by far the quickest service given ,it was awesome Thanks to sanette and her team for doing what they did and thanks for all a effort brought forward by them I would most definitely recommend anyone to go to them as they are a priceless team Thanksread more
Donald Bingwa
16:49 15 May 21
I would recommend anyone to Payneless Bonds. And thank you Alicia for the great help, you are a star.
Ria Pelzer
18:32 10 May 21
Dankie aan Sanette en haar span vir julle puik diens. Ek was 100% ingelig die hele tyd. awesome diens
Wilmari Pretorius
07:27 03 May 21
We used Payneless bonds now for the second time and would recommend them to anyone. They go above and beyond to help... you. They also explain everything to you in a way you can understand. They really made this process easy and quick. Thank you again for your fast and efficient service!read more
Ria Swart
17:12 05 Apr 21
The name says it all!!! Never heard of this place untill I was introduced to them by a family member. "Payneless"... indeed. Quick service, friendly and very helpfull staff. Two weeks, 4 mails and everything is done!!!
If you are considering buying a house, then do contact them for assistance.read more
If you are considering buying a house, then do contact them for assistance.read more
Jan van Rooyen
09:02 31 Mar 21
Unbelievably efficient and professional service. Thank you Sanette, and the entire team, for the great service and... extra effort. We appreciate your work and would (and have) recommend you to any- and every-body!read more
Dean Human
12:59 30 Mar 21
Best experience we got bond approval within 24 hours from submitting all documents with the help from Sanette we highly... recommend them as they go the extra mile to help you! Job well done thanks Ladies👌read more
Johannes Motswa
15:20 23 Mar 21
Thank you PayneLess bond team for my making our route swift and smooth. Thank you for great advice and your hard work.... We appreciate that you were available whenever we needed you. We will surely refer you to anyone who purchasing property any day 🤗read more
Chania Joan
03:59 10 Mar 21
Phenomenal service on my bond! I will definitely recommend their bond originating skills to the entire ZA no Originator... has made the process so painless as they have.
Thank you Payneless Bonds for your amazing service.read more
Thank you Payneless Bonds for your amazing service.read more
Kabelo MrMaths Mathibedi
11:56 22 Jan 21
Excellent service we got from Payneless bonds, very efficient and always have a room to assist,.. We managed to settle... for thee best offer because of your team, Highly recommended 100%read more
Phyllis Jordan
15:02 27 Nov 20
Where do I begin. This is my second purchase with no stress. The service I've received from PayneLess has been... Phenomenal. Sanette and her ladies are amazing with remarkable customer service and quick turnaround. If you want a bond with minimal stress, these ladies are your team. Here's to many more ladies. Onwards and upwards. Wishing you further success in your business and a blessed Christmas. 🌺Phyllis Jordanread more
Mothusi Bahlekazi
04:39 21 Nov 20
their service is excellent out of this world with regular consultation and keeping you updated and very professional.
Anton De Beer
12:19 10 Nov 20
Wow, what an amazing experience. Thank you for the professional, efficient and over all amazing service we received... from the PayneLess Bonds team. Never again will I try and purchase a house without you guys. Thank you so much for all the help ladies.read more
Carin Niemand
11:15 23 Oct 20
Baie vinnige en goeie diens ontvang met verband reeling vir eiendom uit herverdeelde boedel. Baie... Dankie😀👌👍🥇read more
Tanya Van Vuuren
08:03 23 Oct 20
Very efficient team, they constantly updated me and clearly understand what good customer service looks like!!
Well... done!!read more
Well... done!!read more
Adelize van Rooyen
12:07 21 Oct 20
We received fantastic service from start to finish! It was truly a painless experience. I would most definitely... recommend PayneLess Bond as your next bond originator.read more
Hennie Visser
14:29 20 Oct 20
excellent service received from them. very professional and payneless procedure.
Klara Jansen
04:59 20 Oct 20
We we’re assisted by Sanette Payne and she delivered excellent service. She secured a very good interest rate and kept... us in the loop at all times. The whole process took less than a week.read more
Nokukhanya Patience Bhebhe Nyamuchiwa
18:07 02 Oct 20
Thank you Sanette and the amazing team for the awesome service. The step by step guidance and all the constant... feedbacks kept us reassured and valued all the way. 🙌❤️read more
