Self Employed Home Loan Approval
South Africa

How Self-Employed Home Loan Approval Works in South Africa

Banks know self-employed income can fluctuate, so they look at your average taxable profit over time rather than a single payslip. When you apply through a bond originator (free service), we submit your file to all 8 major banks at once and fight for the best deal.

What Banks Really Look At

• Credit score: Approvals common from 580–610 (we know which banks are most lenient)
• Income proof: 2 years ITRs preferred — many banks accept 1 year + BAS statements
• Bank statements: 6–12 months personal + business
• Financials: Signed by your accountant
• FLISP: Government subsidy up to R169,000 (acts like a deposit)

100% Home Loans for Self-Employed – Still Very Possible

Combine FLISP + current bank flexibility and thousands of self-employed buyers are getting zero-deposit bonds right now. We've helped hundreds do exactly that.

Documents Checklist (Downloadable)

• ID document / passport
• Last 2 years SARS tax returns (ITR14)
• 6–12 months bank statements
• Signed annual financial statements
• Company / CC / PTY registration docs
• Proof of address

Why Use Bond Originators Instead of Going Direct?

• We cost you nothing (banks pay us)
• One application → all 8 banks
• Higher approval rate (we know who says yes)
• Better interest rates (we negotiate)
• Fastest turnaround in SA

Stop wondering if you qualify — find out for sure in minutes.