What do we offer?

BOND OPTIMISER

Bond Optimiser is a credit repair programme that refinances your debt into your bond. Why? Because your bond is typically the cheapest form of credit available to you.

DEBT CONSOLIDATION

Debt Consolidation combines your debts into a single debt with a new credit provider. You pay one monthly amount to this lender instead of separate payments to multiple lenders.

DEBT REVIEW

In Debt Review, a debt counsellor assesses your outstanding debt and puts a restructured repayment plan in place. Lenders are not allowed to contact you while you’re in debt review.

Do you qualify?

BOND OPTIMISER

You must own a property and have full-time employment.

DEBT CONSOLIDATION

You must have full-time employment.

DEBT REVIEW

You must be employed and earn a regular income. You must also classify as ‘over-indebted’ and meet certain criteria as set out in the National Credit Act.

How Much Interest Are You Likely To Pay?

BOND OPTIMISER

We typically charge an interest rate of about 7–8%. This is much lower than traditional debt consolidation.

DEBT CONSOLIDATION

The new lender will typically charge an interest rate of about 22–24%. The rate is usually high as your debt is unsecured.

DEBT REVIEW

You typically pay a reduced interest rate based on what you can afford. This means it will take longer to pay off your loans.

How Much Can You Save On Monthly Debt Repayments?

BOND OPTIMISER

We save our clients an average of R7000 per month on debt repayments.

DEBT CONSOLIDATION

This depends on the settlement amount agreed on with your existing creditors.

DEBT REVIEW

This depends on the new monthly budget and debt repayment plan provided by your debt counsellor.

What Is The Maximum Loan Amount?

BOND OPTIMISER

Up to R1 million.

DEBT CONSOLIDATION

Up to R250 000.

DEBT REVIEW

Debt Review is a repayment plan, not a loan facility. You will not be able to take out new loans or cellphone contracts during this time.

Do You Keep Ownership Of Your Home?

BOND OPTIMISER

Yes! You remain the owner of your home and we hold the title deed until we switch you back to a traditional home loan provider.

DEBT CONSOLIDATION

Your home does not form part of traditional debt consolidation.

DEBT REVIEW

Some debt review companies may include your home as part of the process. The terms may vary from company to company.

How Long Until You’re Out Of Debt Review And Your Judgements Are Cleared?

BOND OPTIMISER

This process takes about three months.

DEBT CONSOLIDATION

You don’t qualify for traditional debt consolidation while in debt review.

DEBT REVIEW

Only once all your debt has been repaid.

What Can You Get Funding For?

BOND OPTIMISER

We provide funds to help you cover school fees, settle outstanding municipal bills, or pay for home improvements.

DEBT CONSOLIDATION

Debt Consolidation provides a fixed loan amount.

DEBT REVIEW

Debt Review does not provide funds to clients.

Are We Affiliated With A Bank?

BOND OPTIMISER

No.

DEBT CONSOLIDATION

This depends on the debt consolidation company used.

DEBT REVIEW

No.

Do We Offer Debt Review?

BOND OPTIMISER

No. We help people avoid debt review or help them out of debt review.

DEBT CONSOLIDATION

No.

DEBT REVIEW

Yes.

Someone thought you should see this page.
And we’re glad you opened the link.
We can help you unlock the value in your home.
We can give you access to credit – at the lowest interest rates – when no one else will.
Get out of debt and debt review.
Feeling overwhelmed by debt? We can use the value in your home to put you back on the road to a stable financial future.

With our help you can:

Get out of debt review

Settle accounts in arrears

Have judgements against you removed

Cover education costs

Pay back family and friends

Transfer a property into your name

We give you access to credit when no one else will.

FREE Whatsapp Debt Assessment

Get results immediately

Agents are available to assist

Open WhatsApp to get started

Then type "Hi" and select "1"

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If you own a property and are permanently employed, we can consolidate your debt into your bond and give you access to credit when no one else will. Watch the video below to see how it works.

Try the calculator

What’s the difference?

If you’re wondering how Bond Optimiser differs from debt consolidation and debt review, we’ve done the homework for you.

Click on the link below to view our FAQs.

Find out how we compare

Congratulations!

Someone thinks you could benefit from Bond Optimiser. And if you own a home and are permanently employeed, they could be right!

If you own a property and are permanently employed, we can consolidate your debt into your bond and give you access to credit when no one else will.

Your estimated

property value

Minus

Your outstanding

bond amount

Equals

Money available

to pay your outstanding debt

Client stories

Moving her forward
Levina Ruffer was able to resolve difficult circumstances and move herself forward with the help of Bond Optimiser.
Watch video interview
Securing her child’s future
When Deputy Principal Thobeka Ntubuntu found herself in debt and unable to secure a loan for her daughter’s university fees, she turned to Bond Optimiser for help.
Watch video interview
Taking control of her finances
When Candace Petersen contacted Bond Optimiser, she was under huge financial pressure. Today, her debt is under control and her finances are in good shape.
Watch video interview
Trusting the process
Natasha Le Roux and her husband George were drowning in debt when they decided to trust Bond Optimiser to help them get back on their feet financially.
Watch video interview
Bruce Asia
Teacher, Western Cape Education Department
“I want to thank Bond Optimiser for helping us pay for my son’s tertiary education and schooling. The unique finance option has also sorted out all our debt issues bringing our family a new sense of joy and hope.”
Jennifer Gelderbloem
Senior Teacher, Western Cape Education Department
"Heil die leser. Hiermee wil ek baie dankie se aan die span by Bond Optimiser. Baie dankie dat julle my gehelp het met my seun se registrasie geld. Julle is voorwaar puik en baie behulpsaam. Dit word hoogs waardeer. Baie dankie weereens."

060 015 1926

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0861 91 91 91 or 021 569 8505

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Trusting the process

Taking control of her finances

Securing her child’s future

Moving her forward

Someone thought you should see this page.

We can help you unlock the value in your home.

Get out of debt and debt review.

With our help you can:

We give you access to credit when no one else will.

FREE Whatsapp Debt Assessment

Calculate the amount of money available to you.

What’s the difference?

Congratulations!

Client stories

Securing her child’s future

Taking control of her finances

Trusting the process

Bruce Asia

Jennifer Gelderbloem