For buyers and first-time homeowners
Let’s make your dream Home a reality
Buying your first home or upgrading? SwitchBond helps you compare home loan offers from South Africa’s leading banks so you can secure the right loan, at the right rate.
Home Loan Agent
AI powered bond chat

How SwitchBond Works

Answer a few quick questions

Get an instant estimate of what your home loan should cost.

We compare banks for you

We check offers from major South African banks at no cost.

A bank contacts you directly

If you choose to proceed, a bank calls you with a better offer.

What we do best

Helping You Make Smart Property Finance Decisions

Buying a home or refinancing your bond doesn’t have to be complicated. SwitchBond gives you the tools and support to compare lenders, choose better rates, and take the next step with confidence.

FAQ's

Bond switching is the process of moving your home loan from your current bank to another with better interest rates or terms. SwitchBond helps compare options and manage the switch for you.

Yes, switching could lower your interest rate, monthly repayments, or loan term. Our tools help estimate your savings before you decide.

It depends on your current loan terms and goals. We help you compare both options so you can choose what saves you more.

Typically 4 to 8 weeks, depending on the banks and paperwork involved. We guide you through each step to keep it simple.

No, our service is 100% free. You only pay standard fees if you choose to switch and the bank approves your new loan.

You’ll typically need proof of income, your ID, and current bond statements, but only once you decide to proceed with a lender.

Absolutely. We never ask for ID numbers or banking details in chat, and your data is only shared with a bank if you request it.

We work with major South African banks and established mortgage providers to ensure you get access to competitive offers.

Yes, we help both new buyers compare home loans and existing homeowners find better bond deals.

No. You can compare quotes and speak to lenders without any obligation to proceed or switch.