Home loan origination — South Africa
Your key to a better
home loan deal.
We negotiate with South Africa’s major banks on your behalf — one application, multiple offers, and guidance from pre-approval to registration. At no cost to you.
Your information is transmitted securely over encrypted connections.
What we do
A complete home-loan service
Pre-approval
Know exactly what you can afford before you house-hunt, so your offers carry weight with sellers.
Bank negotiations
We submit one consolidated application to every major lender and negotiate the sharpest rate on your behalf.
Registration to keys
From valuation to Deeds Office registration, we track your bond until you’re holding the keys.
Banks we use
We shop the major South African lenders
Your application is presented to the country’s leading home-loan providers. They compete for your bond — and we secure you the most competitive offer for your profile.
Plan ahead
Bond repayment calculator
Move the sliders for an instant estimate of your monthly repayment. This is a guide only — your final rate depends on your credit profile and the bank’s assessment.
Estimated monthly repayment
R 15 753
- Home loan amount
- R 1 350 000
- Total interest over term
- R 2 430 720
- Total cost of credit
- R 3 780 720
Estimates only, calculated on the standard amortisation formula and exclude once-off initiation and monthly admin fees, insurance and taxes. Not a credit grant or an offer of credit.
How it works
From application to keys in four steps
Get pre-approved
Complete the quick online application below. It takes a few minutes and won’t affect your credit standing.
We shop the banks
Your application goes to multiple lenders. They compete — we negotiate the lowest rate and best terms.
Choose your deal
We present every offer side by side and explain the fine print so you can decide with confidence.
Register & move in
We follow your bond through to registration with the Deeds Office and hand over the keys.
Meet your broker
A negotiator in your corner
With Pelican Home Loans you get a dedicated, registered bond originator, Tim, who handles your application personally — from the first conversation to registration. No call centres, no guesswork.
- Better rates through competition — even 0.25% less can save hundreds of thousands of rand over 20 years.
- Independent advice — we’re paid by the lender you choose, never by steering you.
- POPIA-respectful handling — your documents are used only to source your bond.
Take the first step
Apply now — it’s free and takes minutes
Complete our secure online application right here. A consultant will contact you to confirm details before we approach the banks on your behalf.
Secure application portal
Powered by Mortgage Connect · Encrypted connection · POPIA-compliant
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Questions
Frequently asked questions
What does a home loan originator do?
We manage your home loan application from start to finish: checking affordability, packaging your documents, submitting to multiple banks, negotiating interest rates, and tracking your bond until registration.
Is your service really free?
Yes. Banks pay originators a commission once a bond is successfully registered. You pay nothing — whether or not your application succeeds.
Will applying hurt my credit score?
A single pre-qualification enquiry has minimal impact. Because we submit one consolidated application rather than you applying separately at each bank, unnecessary credit enquiries are avoided.
How long does approval take?
Pre-approval typically comes back within 24–48 hours. Full approval after you’ve made an offer usually takes 3–7 working days, depending on the bank and how quickly documents are supplied.
Can I apply if I’m self-employed?
Yes. You’ll generally need the last two years’ financial statements or management accounts, plus recent SARS documentation. We’ll guide you through exactly what’s needed.
Which banks do you work with?
We submit applications to South Africa’s major home loan providers and negotiate between their offers to secure you the most competitive rate and terms available for your profile.
How is my personal information protected?
Your data is handled under the Protection of Personal Information Act (POPIA). It is shared only with the lenders needed to source your bond, over encrypted connections, and is never sold to third parties.