I am so grateful and thankful for the help and efficiency I received from the Payneless Bonds Team. It was very overwhelming purchasing my first property and had tons of questions, yet Payneless Bonds made it so easy and always answered every question I had. The process was smooth and fast, feedback was given all the time. I cannot thank the team enough for helping me through this process and will definitely stress to everyone that is looking at purchasing a home to use Payneless Bonds. I will be telling everyone and carrying the Payneless Bonds flag high. I really appreciate all your effort Alicia, Nicole, Sanette, Marina and the entire Payneless Bonds Team.

Dwayne Morris

Thanks for the constant updates and super quick responses to all queries and questions. Was a pleasure to have you take care of my bond application.

Hilton Lawrence

Ek wil julle bedank vir julle vinnige professionel diens! Dankie dat julle dit moontlik gemaak het om ons 1ste huis te kan koop. Ek sal julle aanbeveel vir enige iemand- julle hanteer ons soos julle enigste klient. Dit was voorwaar ‘n plesier om met julle te kon deel. Weereens duisend dankies!


I would recommend Sanette and Douglas to everybody . Their service is outstanding and cant be beaten . Friendly staff that are always on the ball and keep you informed at all time . You could not ask for better .

Wayne Hare

The Service is satisfactory, the ladies are quick, professional and very proactive, I am loving it!


The speedy service and the regular updates was exceptional!!!

Not only was my bond approved as I failed to get this by myself, the rate received was competitive. We are extremely happy and would recommend your professional services to all our friends, as that is what friends do:)

Morne Nel

Fantastic service from everyone at Payneless Bonds! It is incredibly daunting to purchase a home, but Sanette and the team have always helped us understand everything, included us in every update and have always been able to put us at ease! Thank you everyone! We look forward to moving into our home thanks to you! Payneless Bonds = efficient on time and professional

Kyle & Roxy

Thanks to the team for the speedy service and effective communication!

Susan Green


35 years combined experience with a proven track record

We get the job done hassle free and always negotiate the best possible deal

We believe that passion and commitment is the key to success

We only have qualified brokers and originators working on your application

Our customer service standards are of the highest quality


We stay up to date with the latest legislation and bank requirements

Sanette, We want to thank you and your team for the efficient work you do, with great positive results. Also the communication is outstanding. The extra effort and time you put into your work is appreciated. Excellent Service! God Bless

Robert, Dawn, Denica, Luke

Thank you so much for everything! Service was great. You all went out out of your way to realize my dream, And you never stopped trying. Even when I was fed up. Will definitely recommend you!  

Tinki Malan

You guys were efficient, fast and I did not expect to receive responses from the banks in 2 days.

Lana van Straaten

All of our questions and concerns were addressed quickly, thoroughly, and professionally.  

Sean McGowa

Sufficient and Payneless!


I would like to take this opportunity to thank you in assisting me to get the bond finance. My rating is 10/10 keep it up on doing the best!  

Lilian Mwale

Awesome service.  

Zaheera Choughuley

Excellent work from the Paynless team!!  

Charles Kalima

Thank you so much for your outstanding work, we could have not done this without your help.  

Maria McGow

PayneLess Bonds kept in contact with me constantly on the progress of my Bond application & offered excellent customer service. Follow up was also concluded & advise provided of how to better maintain my Credit Profile. I would recommend them to a friend as they are professional and go the extra mile to show that they care.

Marcel Oakes

Awesome people to work with, building loan approved in a week!!wow!!! what a great experience.

Shawn Scott

If only half of the people in the world had the passion and drive like the Payneless Bond team has, the world would be an amazing place! I am truly impressed with the service we received from Sanette and her team. Thank you so much for making our dreams a reality! Within 2 weeks we had a bond approval, with the extra amount for renovations. This team constantly updated us and explained the best way forward. No question was unanswered and they went out of their way to assist us.Thank you for your excellent service!! May your team be blessed with all the success in the world.
Regards Inez & Tommie Trollip

Inez Trollip

I am 100% impressed with the service received, would recommend to anybody wanting to purchase a property. SOO SOO convenient and efficient. Thank you PAYNLESSBONDS. It was certainly “PAINLESS” and hassle free!!! *****You guys are awesome!! ********

Kiera Carmen

Hi Sanette and team

words fail me but I can not begin to explain your level of dedication and professionalism you have shown when dealing with us. Your dedication goes beyond the call of Duty. I am forever indented to you guys

By the way for the competition I would love to build my little girl a little play house in the new garden that you guys have facilitated soo professional for us

Sylvia Maphathe

Sylvia Maphathe

Sanette en al die dames by Payneless Bonds….dankie dat julle altyd daar is en altyd bereid is om met enigiets te help en altyd op hoogte is van wat vir ons kliente belangrik is !


We loved the attention to detail and the liaison with the banks, it gave us success!

Alex Volschenk

Unbelievable is all I can say !!! If Sannette and her team can’t get your bond approved……go and get a tent as it is not going to happen…….


Amazing Service. Fast, friendly and very helpful.

Dawie Swarts

Now this is customer service that you don’t find anymore. Excellent, professional and just plain awesome. Now that we know what bond we can afford we can start the search for our dream home where we will have many happy memories. Thank you, thank you, thank you!!! I will recommend your service to everyone.


Payneless bonds rock , Sanette and team you are best, i really appreciate the extra mile you went to secure my Bond, Thank you for the updates i got daily .You were with me all the way until we received a favorable response , i am forever grateful for what you did for me , i hope in future i am able to use again, i am going to recommend you to all my friends cause you 1 in a million

Glenda Ndlovu

Ek en my man wil net baie dankie sê aan die span by payneless bonds. Jul het regtig jul werk uitstekend gedoen en ons bond was goed gekeur in n week!!jul mag maar! Sal jul aan beveel waar ek kom.

Madeleine Meyer

The team worked on my bond and the team was able to get me 100% bond approval. Their turn around time is quick.

They are the best.

I would definitely recommend them to anyone.

Otsile Mokgwestane

Sanette and team, what an awesome experience and honour it was to have had the opportunity to deal with Payneless Bonds. By far the most professional and efficient Bond Originators I came across, therefor I would like to thank you from the bottom of my hart. I will definitely recommend you and your team to every one I know.

Danie and Justine

Danie and Justine van der Bank

Just want to give big shout out to the Payneless Bonds team! Sanette, you and your team gave a personal touch to the whole process, that I doubt other bond originators provides. As a first time home buyer you had a lot of patience to my stupid questions, gave updates every step of the way, we weren’t in the dark one moment. And everything was handled very quickly and efficiently, we had our final home loan approval within a 2 weeks, actually it was a week, wow! Thanks ladies! That’s what I call “girl power”

Marilie Dorman

Julle dienste was uit die boonste rakke en terugvoering was vinnig en deeglik. In RSA waar diens altyd pateties is was julle sin uitstaande! Baie geluk met julle uitstekende diens.

Sanita Dippenaar

Just want to give big shout out to the Payneless Bonds team! Sanette, you and your team gave a personal touch to the whole process, that I doubt other bond originators provides. As a first time home buyer you had a lot of patience to my stupid questions, gave updates every step of the way, we weren’t in the dark one moment. And everything was handled very quickly and efficiently, we had our final home loan approval within a 2 weeks, actually it was a week, wow! Thanks ladies! That’s what I call “girl power”

Marilie Dorman

Facebook Reviews

PayneLess Bonds
Based on 120 reviews
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Tanya van Aswegen
Tanya van Aswegen
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
Hassan Gift Enyojo
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
Kerry Bryce-Borthwick
Kerry Bryce-Borthwick
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
Manny De Souza
Manny De Souza
PayneLess Bonds Excellent Service and Professional Advice given at all times. Really goes the extra mile. Thanks... Sanette & Team!!read more
Duané Portwig
Duané Portwig
Thank you Sanette and your incredible team at PayneLess Bonds. You have made buying our first house such a pleasure- we... appreciate your professionalism and timeliness. Your service is is highly recommended.read more
Helen Rose Voges
Helen Rose Voges
Absolutely fantastic service. Sanette and Colleagues were outstanding. They truly made this easy, quick and... 'Payneless'. Well done on a 5 star serviceread more
Muneeb Baker
Muneeb Baker
very helpful and will assist you until the end giving you a good customer experience please feel free to try them out... 🙂🙂🙂🙂🤙read more
Steven En Wianda Pretorius
Steven En Wianda Pretorius
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
Carla Goosen
Carla Goosen
Best Service received, I will definitely recommend them. Thank you Sanette Payne, Nicole de Metz and Alicia Cochrane
Theuns Goosen
Theuns Goosen
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
Crizelda Terblanche
Beste Service en delivery ooit!!! Sal beslis weer Payneless Bonds gebruik
Jennifer Meneghelli
Jennifer Meneghelli
Excellent, personal service. My bond was sorted in no time and everything was explained clearly to me
Salamina Kgole - Letlape
Salamina Kgole - Letlape
I was approved for the bond within a week. PayneLess Bond really made difficult work easy.
Pieter du Plessis
Pieter du Plessis
Absolutely brilliant, fast and very efficient service received from Sanette, can highly recommend them!
Catherine Mackenzie
Catherine Mackenzie
Exceptional service in record time. I highly recommend Payneless bonds. They went out of their way to get me the best... deal.read more
Thank you so much for everything! Service was great. You all went out out of your way to realize my dream, And you never stopped trying. Even when I was fed up. Will definitely recommend you!


Tinki Malan

Sufficient and Payneless!

Thank you so much for your outstanding work, we could have not done this without your help.


Maria McGow

I would like to take this opportunity to thank you in assisting me to get the bond finance. My rating is 10/10 keep it up on doing the best!


Lilian Mwale


We want to thank you and your team for the efficient work you do, with great positive results.

Also the communication is outstanding. The extra effort and time you put into your work is appreciated.

Excellent Service!

God Bless

Robert, Dawn, Denica, Luke

PayneLess Bonds kept in contact with me constantly on the progress of my Bond application & offered excellent customer service.

Follow up was also concluded & advise provided of how to better maintain my Credit Profile. I would recommend them to a friend as they are professional and go the extra mile to show that they care.

Marcel Oakes



  1. Mark Prinsloo

    Awesome professional service. Through the whole process I was guided, updated and it felt as if my interests were always at the forefront. Well done to Sanette and her team of professionals. I would recommend their services to friends and family or anyone who has to embark on such a process.

  2. Johan en Amanda van der Merwe

    Ons kon nie n beter maatskappy gekies het om ons verband te hanteer nie. Sanette en haar span is voorwaar die beste. Ons sal julle ewig dankbaar wees vir die uitstekende en vinnige diens. Weereens baie dankie. Ons sien uit na ons aftrede in “Soete Inval” danksy julle harde werk.

  3. Pieter & Belinda De Jager

    Thank you Sanette and your team we received an absolute awesome service from you!

  4. Dean & Mpho Hing.

    Dear Sanette & Team.

    Thank you so much for your excellent service. We would most probably have not gotten 100% bond approval, but because of your passion and dedication to helping us get our DREAM HOME, EVERYTHING WAS APPROVED.You worked tirelessly, throughout the process, and gave feedback on a regular basis.

    We would recommend your services to anyone at anytime, thank you so much.

  5. Elisna LESSING

    Ek wil graag vir Sanette en haar span bedank vir hul uitstekende diens.
    Die hele span is uiters professioneel en effektief.
    Die deurlopende terugvoer gedurende die proses word opreg waardeer.
    Dit was die tweede keer dat ek van hul dienste gebruik gemaak het en beveel hulle ten sterkste aan.

  6. Shaun Hattingh

    Ons het nog nooit voorheen sulke goeie diens ontvang van n bond originator soos hierdie een nie.

    Sanette en haar span is baie professioneel en gaan uit hulle pad uit om jou te help deur die proses.

    Weereens dankie aan die beste bond originator maatskappy!

  7. Claries Roelofsz

    Sanette and her team offered us amazing service. They were fast, friendly, helpful and very professional.
    I would highly recommend them. They truely went out of their way to assist us with a complicated application and explained everything to us through the entire process.

  8. Douw en Christa Hurter

    Waar dit vir ons soos n berg gelyk het om oor te kom het Sanette en haar span vir ons die berg plat gevee.
    Van die eerste oproep af tot die finale teken was hulle eenstryk deur daar om in die agtergrond alles met die banke en agent uit te sorteer. In vandag se besige lewe en druk skedules weet ek nie hoe ons die huis transaksie so ”payneless” sou kon doen. Profesionele raad en aanbevelings tot die geduldige luister en antwoord op ons vrae.

    Baie dankie weereens
    Douw en Christa

  9. Russell

    Well done Payneless bonds , Sanette Payne in particular.
    Your excellent service and the results you were able to “strategically” achieve for me has motivated me to write this testimonial. I will absolutely recommend your services.

    If you have the time to read , Here below is my “Why”

    In my previous property purchase about
    2 years ago , I applied for a bond through a well know bond originator. According to the evaluation the house was priced correctly , in a prime area , I was financially ready and I had nursed my credit status for this occasion.
    Disappointedly, I was presented with 4 “ridiculous” offers from the mainstream banks. The bond originator made a few calls and we then had some counter offers of which I chose 2 of the best offers to proceed with. After several intensely motivated kickbacks from the bond originator to the banks, the final offer I accepted was a 92.5% bond @ 11.51% interest. Second best offer on the table dropped down to an 80% bond with around 12.75% interest.

    The results achieved by Payneless bonds this time round were significantly better.
    The first 4 offers collected not only came in at 100 % bond , 3 fell under 11% with 1 below 10%.
    The best offer with a weighted average interest of 9.905% over the full period of the loan. With an incredible 9.765% interest for the first portion of the loan amount.

    Why then were the results of 2 years back and this time round with Payneless bonds so dramatically different ?

    In actual fact , my previous bond application mentioned was so disappointing that I hadn’t actually planned to approach a bond originator for my next property purchase . I prepared to apply in person with my home bank. I was convinced it would bring better results this way, but after the first 2 visits to my prestige banker and a couple of calls to the helpline, I experienced first hand and awoke to the reality that I’m dealing with a process that is predominantly system driven and time consuming for queries and feedback. I had no idea what I was doing , also had no insight into what happens behind the scenes. In my experience the banks have lost any personal service and the ability to make decisions outside of this system they have created.
    If you are one of the fortunate clients you may have a dedicated and professional banker that prepares well and does the necessary homework. But again through my experience , they aren’t paying much attention to pre-preparation or rectifying your credit status when possible , all valuable steps to take in order to set you up for the best possible results. There wasn’t any pre-credit check to ensure I had a clean credit score and I’m so glad I followed my gut and stopped the process.

    In hindsight , I now see the importance of the preparation before application.
    Sanette spent the necessary time preparing for each application. In our pre-credit check we dealt with 3 issues which we were able to resolve , I was advised to request a copy of all the relevant paid up letter to add to the application. We even found a legal note from my home bank incorrectly instated against my name , which I spend 2 weeks following up until they removed it.
    As the application and credit rating is system driven , Payneless bonds understand the importance of the initial credit check and using these results to prepare and clear issues that can be rectified.
    I can confidently conclude by saying , the results were systematically and strategically achieved, I have never experienced this level of dedication and commitment.
    Thank you Sanette Payne and Payneless bonds team for your efforts and the results achieved.

    Best Regards

  10. Joani & John.

    Being in the industry, doing transfers of property, one takes for granted what you “think you know”.. My fiancé and I recently purchased a property together. We submitted our application to Payneless bonds and WOW.. how my expectations were exceeded!!! The daily feedback, constant updates, friendly service, friendly help and all our questions being answered with a smile, always! I cannot even begin to explain the experience! What made it even more impressive was the knowledge Payneless bonds shared with us. What I thought I knew, has been improved drastically. Sanette and her teams’ knowledge is impressive! And, to top it all, they made it super easy for us to understand. They understand that people do not buy a property everyday. They explained it in layman’s terms that you do not have to be an expert to understand. All I can say, Payneless bonds.. Industry experts is un understatement!! Definitely my number one choice! Most importantly.. THANK YOU!!!!!

  11. Michelle & Gerhard

    Thank you Sanette and team for your professional service. We were updated regularly and received a favourable result. I would recommend PayneLess Bonds to anyone requiring a home loan.

  12. Dawie

    Sanette, Nicole & Alicia was uiters professioneel en effektief deur die hele proses. Hulle het dit regtig pynloos gemaak en ek kan hulle ten hoogste aanbeveel veral aangesien dit ons 2de keer was wat ons hul gebruik het met elke keer fantastiese diens. Baie dankie julle!

  13. Denise

    Thank you Sanette and Team on the outstanding service you provided me. I will definitely recommend you to anyone buying a new home. You are all AWESOME!!
    Best Regards,

  14. Moira Annandale

    This is the 2nd time I’ve used Payneless bonds to assist in obtaining a bond. I am delighted to say that as with the first time Sanette and her team were able to secure us a fantastic bond. The team are professional and SO FAST. Feedback is given every step of the way. Advice and information is highly informative to allow one to make decisions. The team did a stellar job of negotiating with our bond provider and we could not have asked for a better result. What a blessing to work with this team.
    Sanette and your team thank you again for your knowledgeable, fast and kind service.

  15. Brandon Bernard

    For someone who is working for a company registered outside of SA, being a contractor and “self employed” can be very difficult applying for a loan at any bank. After getting all my documents ready and sending it over to the banks for approval, the process was over before it even started. Sent in the 1st day. 2nd day approval was acquired. Payneless Bonds name precedes them, it is most definitely PAINLESS. Will be using their service again very soon for my next property. Recommend them to anyone.

  16. Zandile Mampondo

    A smooth, efficient and painless experience. The team is professional and delivers excellent, quick service. It has been a pleasure!

  17. Jaco & Nicole van Eden

    We would like to thank Sanette & all the staff from Payneless Bonds. We cannot commend the team enough for their professionalism, advice,time,effort & assistance. We will def highly recommend them. Thank you, thank you. God bless.

  18. Lynne Visser

    Ek het uitstekende diens gekry. Sanette het baklei vir ‘n beter koers vir my en het dit vir my gekry. Baie dankie.

  19. Nolwazi Ndhlandhla

    Dear Paynelessbonds Team,

    Very few first time bond applicants get 105% from the banks. But you guys made it possible for me even at a decent interest rate. Thank you for your speedy work and always keeping me in the loop.

    Your name really says it all. My bond application process was absolutely PAINLESS… a dream actually.

    Thank you Thank you Thank you.

  20. Helena Hurter

    Thank you very much to Sanette and team for friendly, professional and efficient service. Thank you for negotiating with the bank of our choice for a lower interest rate – all done in a record time. Thank you for always providing us with feedback. You have really made the bond application process a “payneless” process. We appreciate your assistance.

  21. André van Eeden

    What can I say – WOW!!! After telling me that it would take between 5-7 days to get a bond approval and only a day and a half later I had approvals from all four banks, Amazing!!!
    The service was excellent and the continuous feedback is really appreciated.
    I have bought two houses before but this experience is by far the best ever.
    Alicia, thank you for your support and tenacity, ensuring that I get the best deal out there.
    Your manager should be proud to have you in their team. You are what makes people return and advertise your brand.

  22. Crystal & David Wood

    a BIG BIG Thank you very much to Sanette and team for friendly, professional and efficient service, you are truly amazing! This was my husband and I first buy and they offered the best service ever and everything was so smooth, helpful and always kept us up-to date on the process also offering the best advice.

    Thank you for negotiating with the banks and making it a “payneless” process. We appreciate your assistance and the whole team went above and beyond to make our dream of owning a house a reality, and a dream come true. Thank you so much

  23. Johan Henning

    Thank you for all the effort. Excellent service and extremely efficient!

  24. Ruan van Eeden

    Excellent service and immediate response to any queries. Will definitely recommend their services.

  25. Willem

    Thank you very much to Sanette and the team for friendly, professional and efficient service. All done in a record time. Thank you for always providing us with feedback. Thank you for all the effort.The service was excellent and the continuous feedback is really appreciated.

  26. Alicia

    Alec and I would like to thank you and your team for your friendly and efficient service. As first time home owners the whole process was quite intimidating and we had so many questions of which you were always willing to answer, no matter the time of day.
    You did a fantastic job in negotiating a very good rate with the banks too.
    You definitely made the whole proces “PayneLess” for us.

    Well done!!!

  27. Sanele

    Sanette, just want to thank you and the ladies for your awesome work! It was so assuring for a first time buyer like myself to have you give direction so well. It was truly Payneless and for that I’m grateful.

    Stay blessed in all that you do!🌻

  28. Annalise Buys

    Sanette en jou hele span!
    Duisend dankies vir absoluut uitstekende professionele diens! Corona virus ten spyt,het julle dit so gemaklik en werklik payneless vir my gemaak. Ek is so dankbaar, tog jammer om te se,in ons pragtige land is sulke voortreflike diens uiters skaars! TROTS Suid-Afrikaans!
    Julle sal geseend wees!

  29. Christa van Zyl

    Thank you a million times over to Sanette and her team. I’ve worked with numerous bond originators in the past, and I can barely remember their names. Sanette and Payneless bonds, on the other hand, I will continue working with forever. Professional, effective, fast, friendly, patient, dependable, incredibly knowledgeable, SO helpful, and I have received the best possible offer of my life for a bond. I cannot thank you guys enough. I look forward to working with you in the future.

  30. Michelle

    Great, great real service from Sanette and her team. they explained everything in detail and helped us make the right decision for us. I would use Payneless bonds again for sure.

  31. Monica MOLAPISI

    Sanette and her team were efficient, professional and provided excellent services. We managed to get a bond approval within 1 week and at great rates. She went above and beyond in ensuring we understood all the details, and her team always updated us on the progress.

    I recommend Payneless Bonds to anyone looking for great and professional services.

  32. Joshua Britz

    The experience I had with Sanette and her team was top notch. They know what they are talking about and expertly helped guide me through the process of getting a bond. As a first time buyer, I appreciated their willingness to answer any questions I had, and their openness in explaining the process as it was happening. I highly recommend Payneless Bonds to anyone who’s looking to apply for a bond.

  33. Donald and Nombuso

    We received quick and excellent service from Sanette and her team. We were very reluctant at first but they managed to secure our bond within three days at prime minus. Well done guys. We would definitely recommend other people to come and experience your great service

  34. Thabo and Doreen

    Thabo and Doreen
    We received excellent service from you guys we would really like to appreciate your effort in helping us secure a bond.. We would love to work with you in the near future and definitely recommend your services to people. We really appreciate it.

  35. Edzisani Rakhunwana

    We currently buying our first property and you honestly made this whole process so smooth and easy we really appreciate your assistance.

    Sannette thank you for always keeping us up to date and providing the best service and advice.

    We would definitely recommend your services.

  36. Crispen Nyamuchiwa

    Thank you Sanette and the amazing team for the unparalleled efficiency and professionalism. We would use Payneless bonds always.

  37. Sune De Bruin

    Payneless bonds assisted us with the second property we ever bought. They are extremely efficient and respond to communication in record time. They patiently explained everything to us and allowed us to make informed decisions. Best bond originators out there!

  38. Michelle Du Toit

    Purchasing your first home is daunting, filled with uncertainty and much anxiety.
    Payneless bonds have truly mastered the art of customer service and efficiency. Sanette and her team are highly efficient and friendly, making each client feel like exactly that… a valuable client and not just another number.
    I had numerous questions, all of which was answered with the same enthusiasm and passion as the first. Sanette took the time to meticulously explain each concept I did not understand and was there every step of the way making sure we understood what each stage of the application process entailed. Sanette and her team make a conscious effort every day to make sure each of their clients are well looked after and feel valued. Payneless bonds, thank you for making our bond application truly painless!!

  39. Robyn Peters

    As first time buyers we didn’t know the amount of detail that goes into buying property, however Payneless bonds has made this such a pleasant experience for my husband and I. Nothing was to difficult for Sanette and whenever we didn’t understand something she would phone right away to give clarity. They really made us feel like they had our best interest at heart.
    I would recommend them to anyone. They are simply amazing! and hope to use their services in future again. Once again Thank you so so much!!!! Godbless

  40. André van Niekerk

    A big thank you the team at Payneless bonds who made searching for the a bond that meets my financial needs exceptionally easy and quick. All the main banks they send applications to on my behalf succeeded with exceptionally low interest rates and and variant terms. Thank you for treating me with the utmost respect and explaining all the aspects of a bond to me in detail and easy to understand terms.

  41. Bradley chetty

    To Sanette and Team, brilliant service from start to finish. Your name says it all in getting a bond payneless.

    Highly recommend people to use your service!!!

  42. Mokhine Sherman

    Well organized team ( Wilna and Sanette) were there for us all the way in the process of acquiring our second property. Giving us advise and able to attend any query we had. The best in the game.

  43. Anton de Beer

    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.

  44. Kyle Mansfield

    Dear Sanette, Alicia and Nicole,

    As a first time home buyer, the 3 of you have provided such an efficient level of service to myself. Within a day, I received feedback from my first bond approval. Thank you for the level of communication you provided to myself throughout the process and the prompt responses I received. I was not for one minute kept in the dark or unsure of where we were in this process. I highly recommend Payneless Bonds and will continue to use them in the future.

    Thank you again for the outstanding level of service which I received. DEFINITELY HIGHLY RECOMMENDED!

  45. Dr Ngaka Mosiane

    A really big thank you to the entire Payneless Bonds Team for facilitating a bond for us with much professionalism, kindness, and speed. It did not matter whether it was Alicia, Nicole, Sanette, or Marina who was being engaged – you were all really helpful. This includes the pre-qualification phase of the bond application, which has played a very important part in securing the good price of the property we are buying. Another important part about your service is how you obtained for us a lowest possible interest rate at the time when they are already lower across the board. I recommend Payneless Bonds anyone to anyone seeking a service for property finance.

  46. Les and Adele Herbert

    A very big thank you to Sanette and her very able and competent team for securing our bond for us, the name Payneless is appropriate as it was payneless.
    We will no doubt be recommending you to anyone of our friends seeking assistance with obtaining a bond.

  47. Conraad Hoffman

    Thank you Sanette.
    This entire process was made very easy and effortless with regular updates and sufficient information to be able to make a calculated choice. Much appreciated.

  48. Walter

    All I can say is wow! You are an amazing team Payneless Bonds. 5 star service and 5 star results. Keep up the great work. I will recommend your team to anyone looking to secure a bond.

  49. Raphael

    Absolute pleasure working with Sanette and the team!
    They are so professional in everything they do. This is the second bond they have assisted us with and they were nothing short of FANTASTIC!

    Thank you again Payneless Bonds!

  50. Laura Botha

    As a first time buyer I thought….no way, but thanks to Sanette and het team I got the surprise of a lifetime!! In only one day my application was submitted and approved…I am speechless! Thank you for being hands on and keeping me up to date all the time, I will certainly recommend Payneless Bonds to anyone, any time….this whole process was “painless”. Thank you again.

  51. Kachomba Mabuti

    Payneless Bonds offers a combination of efficiency, competency and the tenacity to go the extra mile for their clients. Thank you very much for your exceptional service with a personal touch anticipating, the clients needs and providing your professional advice making the whole process of applying for a bond application seem like a breeze.
    Kudos to the Payneless Bonds team and to Sanette who managed the process with timely updates every step of the way “you are a STAR!!!.I recommend Payneless Bonds to anyone who wants exceptional service and a seamless process of Bond applications.

  52. Daniel Gombe

    A very big thank you to Sanette and team. Your professionalism is truly appreciated and you really made the process as Payneless as possible. Well done and keep up the good work.

  53. Paul & Alexander

    As always, super efficient and always accommodating.

  54. Marga and Yolandi Scheepers

    WOW!! Where do we even start to thank the entire Payneless Bonds team for their absolutely astonishing service. Our first ever interaction was on Tuesday 2 March at 9am to discuss the process and what is needed. Documents were completed and submitted and the very next day our bond was approved. EVERYTHING literally happened in the space of a few hours. Not even days – HOURS!!

    Buying a home for the first time is scary, overwhelming and simply nerve wrecking, yet the team at Payneless Bonds held our hands, assisted, assured and most importantly delivered!

    We cannot thank Sanette and her team enough for their excellent service. The manner in which they communicate is world-class and I am still in a bit of disbelief that this entire process was so quick, easy and smooth. I have no doubt that without this team, our dream home would not be ours today!! Thank you TEAM!! Thank you, Thank you, THANK YOU!!! Your professionalism, knowledge, service and competence is out of the world! Dealing with you is an absolute breath of fresh air! Thank you again – Keep up the excellence!!!

  55. Bernard

    WOW what can we say, Sanette, A really big thank you for facilitating a bond for us with much professionalism, kindness, and speed.

    Thank you for all you communication via email’s and phone calls through out the process, Its good to see customer service with a smile.

    Thank you for your motivation, we Highly recommend people to use your service!!!

    Your name says it all.

    Well done and keep up the good work, you really made a big difference in people’s life’s.

    God Bless

  56. Angelique and Brenden Hough

    From the beginning of our journey for finding a home Payneless Bonds has been there. The entire team has been there through every step to help guide us and assist us where need be. As first time buyers, buying a house can be very confusing and stressful but with help of the Payneless Bonds team everything has been so easy for us. We would just like to say thank you for all that you have done and for assisting us through this exciting and nerve-wrecking time 🙂

  57. Phila Dlamini

    This has been a fantastic experience and very professional!

  58. Wilmari Pretorius

    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!

  59. Riekert & Hanese Jansen van Rensburg

    We would like to sincerely thank Sanette and the Payneless Bonds team for all their support and amazing service in the process to purchase our dream home.
    It is quite a daunting experience, dealing with all the paperwork and jargon involved, but they assited us every step of the way and made the experience stress free.
    We were also on a very tight timeline and they were able to sort everything out very quickly.
    We will recommend them to anyone in need of assitance with obtaining a bond.

  60. Alfred Thuso Montwedi

    Sannette and Alicia really made this new experience of getting a bond so simple, these guys are very Proffessional and good at their work. I would really like to say thank you for making it easy for me to get a bond to purchase my dream home. I would recommend Payneless Bonds to anyone 🤗🤗🤗🤗🤗

  61. Clarise & Eugene

    a VERY VERY big thank you to Payneless bonds, Sanette and your team. Thank you for assisting us in every step of the way and going the extra mile in assisting us with buying our first home. We will recommend Payneless Bonds to absolutely every one that needs a home loan.

  62. Wesley

    Aan Sanette en span,baie dankie vir julle professionele diens en hulp. Julle het regtig uit jul pad uit gegaan. Ek waardeer opreg. Sal julle verseker aanbeveel. Baie baie dankie

  63. Uteng n Florence

    Sanette, We would to thank you and your team for the efficient work you do, with great positive results. Also the communication is outstanding. Updates are awesome, thank you so much. Effective communication from your side. The extra effort and time you put into your work is appreciated. Excellent Service! God Bless you. Your service humbles us as the Nares. Thank you

  64. Johann Van Tonder

    A massive thank you to PayneLess Bonds , Sanette and Team , Nicole , Marina , you Guys are one hell of a team , thank you for making a dream come through. I would highly recommend PayneLess Bonds to anyone anytime !

    fast and efficient service , always kept in the loop

    thank you Team of PayneLess Bonds !

  65. Willem Roberts

    Sanette and the rest of the team – a BIGGGGGGGGGG thank you for the absolute brilliant service I received from you and the team. It was a pleasure working with you. I will recommend you to all my friends!!!!!

  66. Milton

    We received the most singularly exceptional service from Sanette at PayneLess Bonds. Would unreservedly recommend them to anyone looking for a bond originator!

  67. Windell Nortje

    Dear Sanette and team, thank you very much for your professionalism and punctuality! It is clear that you are really good at what you do, truly a painless experience!

  68. Laniete Wessels

    Sanette baie dankie vir julle uitstekende diens! Niks was teveel moeite nie en jy het selfs na-ure met ons gekommunikeer. Die feit dat ons in die Vrystaat is en ons huis koop in Gauteng was nie ‘n probleem vir julle nie. Alles het seepglad verloop en die uitkoms was spoedig en positief. Ons sal julle beslis aanbeveel! Weereens baie dankie!

  69. Amina Meera

    A huge thank you to Sanette and Alicia. They were excellent in helping me with putting through my bond application to the banks. Even though i was told I would need to wait between 5 – 7 days, I got feedback within the first day which was excellent. Thank you once again.

  70. Kopano mpenyane

    Thank so much for helping me with my home loan, you guys where very professional and the service was very quick, responsive. Really appreciated the effort.

  71. Kobie & Schantell

    Professional, Personal and Experienced services … from the beginning to the end we were kept informed … Communication and communication again and again – Please keep this up as your services are EXCELLENT!

  72. Cynthia Ntozini

    Thank you Payneless Bonds, for the service and help that you provided me. Service was quick and professional there was no errors or changes it was straightforward.

  73. Daniel and Patricia de Caires

    Dear Sanette and team

    Thank you so very much for assisting us in obtaining our home loan. The guidance, assistance and informative correspondence that you and your team gave us went a long way during this stressful process. We were most impressed by your high level of professionalism, timely responses and communication. Never once did you and your team leave us in the dark; we were kept informed from start to finish. Thank you for your dedication and service. We highly recommend your services to anyone, be they first time buyers or not; they will not regret it.

    Sanette and her team will guide you through your bond application every step of the way truly making the experience a “PayneLess” one.

  74. Zenobia & Jeff Ccampbell

    We would like to thank Sanette and her team for the most amazing service received in the application of our bond. The process was PAYNELESS and extremely professional. We never had to follow up, our calls were always answered and e-mails always replied to. Thank you so much.

  75. Zenobia & Jeff Campbell

    Thank you so much to Sanette and her team for assisting us in securing our bond. Your service, friendliness, availability and professionalism was outstanding. You have the perfect recipe.
    Thank you again

  76. Yolanda van der merwe

    WOW WOW WOW, this team is absolutely amazing and I am very happy to have been referred to them.
    Excellent service, very knowledgeable team and ridiculously quick response times.

  77. Dumisani Mbewu

    I would like to thank Sanette and her Team at PayneLess Bonds, wow you guys are so good at what you do, I’m happy and very greatefully for all your work that you have done for me ………..Thank you so much , may God Bless you PayneLess Bonds team.

  78. Colleen Schmidt

    Thank you so much Sanette and Nicole for helping us secure a bond.
    Your service is outstanding. You kept me informed at all times and explained everything in detail.
    I will definitely recommend you to friends.

    Keep up the good work!

  79. Roux Wildenboer

    For a first-time home buyer, my experience with Sanette and her team could not have been more positive. The process was smooth and exciting, and I was heavily impressed with the service, professionalism and continuous support from Payneless Bonds. 10 out of 10 would recommend a friend.

  80. Kim

    Thank you so much to Sanette and her team. You ladies are amazing. You made the process of securing a bond painless. I could not have asked for better service. Thank you once again, and I will be recommending you to everyone I know.

  81. Thabisa Xuba

    Wow!! what a great service from the entire Payneless Bonds team👌👌👌👌👌. Sanette took me through the entire process. You guys made the process of securing the bond so payneless. Indeed you leave by your values!! Big up to you guys. I couldn’t ask for more. Thank you so much guys for going out of your way and secure the best deal for me. I will definitely spread the word…. Stay blessed!!!

  82. Unathi Tsengiwe

    What an excellent service received and feedback given on time. The fact that even though We didn’t qualify but Sanette took her time to guide us on what we need to work and HOW for the nearest future. Continue doing excellent work. We appreciate your efforts

  83. Godfrey & Laconia Carter

    Sanette and team are truly amazing and provided us with excellent service and advice throughout the entire process. I would recommend Payneless bonds to anyone and everyone. Truly outstanding service!

  84. Stefan Vosloo

    Sanette, I feel sorry for those that do not have your number. You are the best and you do the best for your clients. Again thanks for your professional service, you are the best!

  85. Adrienne Milner

    People who take pride in their work, Sanette and team are a pleasure to work with, being a busy broker , it is like a dream to see how motivated and committed they are to excellence at all times , top of the top service


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Does Paying Extra on Your Bond Pay Off?

Does Paying Extra on Your Bond Pay Off?

087-151-4712 info@paynelessbonds.co.za 087-151-4712 info@paynelessbonds.co.za Reading time: 2 Min Ever wondered if it pays off to pay more on your bond account? Read more to find out... Does Paying Extra on Your Bond Pay Off? Anyone that pays of a bond knows that the...

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