Get Pre-Qualified For Your Home Loan
ArkStar HomeLoans helps you understand what you can afford, calculate your bond and transfer costs, and connect with the right bank — at no cost to you.
What ArkStar HomeLoans Does For You
From your first affordability check through to registration, we guide you through every step of the home loan process.
Bond Pre-Qualification
We assess your income, expenses, and credit profile to give you a realistic indication of what the banks will approve — before you make an offer.
Bond Origination
We submit your application to multiple banks simultaneously to secure the best interest rate and loan terms available to you.
Cost Guidance
Use our free calculators to understand your bond repayments and all transfer and attorney costs upfront — no surprises at registration.
How It Works
Four simple steps from application to approval.
Apply
Complete a short application with your income details, ID, and payslips.
Pre-Qualify
We assess your affordability and confirm a realistic purchase price range.
Bank Submission
Your application is submitted to multiple banks to find the best rate.
Approval & Registration
Your bond is approved, attorneys are appointed, and transfer begins.
Bond Repayment Calculator
See exactly what your monthly repayment will be based on purchase price, deposit, interest rate, and loan term.
Bond Repayment Calculator
Calculate your monthly bond repayment and total cost
Important NoticeEstimates only. Does not include insurance, levies or rates. Actual repayment may differ based on lender and credit profile. ArkStar Real Estate — Powered by Mandated Property Group (Pty) Ltd. Registered with the PPRA.
See Your Results
Enter your details to unlock the repayment breakdown
Bond & Transfer Cost Calculator
Calculate all transfer duty, attorney fees, deeds office fees, and disbursements — so you know the full cost of buying before you sign.
Bond & Transfer Cost Calculator
Estimate all upfront costs when buying property in South Africa
Important NoticeAll fees include VAT at 15%. Based on 2025 SARS transfer duty tables, standard Law Society conveyancing tariffs, and current deeds office fees. First-time buyers qualify for transfer duty exemption on properties up to R1,100,000. Figures are estimates — consult a conveyancing attorney for a formal quote. ArkStar Real Estate — Powered by Mandated Property Group (Pty) Ltd. Registered with the PPRA.
See Your Results
Enter your details to unlock the full cost breakdown
Why Choose ArkStar HomeLoans
- Free service — no charge to the buyer at any stage
- We submit to multiple major South African banks simultaneously
- Transparent cost calculators available 24/7
- PPRA registered under Mandated Property Group (Pty) Ltd
- Linked to ArkStar agents who know your property and your deal
- Fast turnaround with dedicated follow-up on your application
Frequently Asked Questions
Yes. Bond origination is free to the buyer. We are compensated by the bank on successful registration, not by you.
We submit to all major South African banks including ABSA, Standard Bank, FNB, Nedbank, and SA Home Loans to find you the most competitive rate.
Typically your ID document, latest 3 payslips, 3 months bank statements, and proof of address. Self-employed applicants will need 2 years of financials.
Most applications receive a response within 5–7 business days once all documents are submitted.
Bond costs are the attorney fees for registering the loan in favour of the bank. Transfer costs are the fees for transferring ownership of the property into your name. Use our calculators above to see both.
No. You can apply for pre-qualification before you find a property — it actually puts you in a stronger position when making an offer.
Ready To Start Your Home Loan Application?
Speak to an ArkStar HomeLoans specialist today — it costs you nothing and could save you thousands.
Contact Us