Phoenix Bonds can be a great pick if you’re looking for the best loan broker in Johannesburg for mortgages. This loan brokerage agency even has an intuitive and user-friendly online form for those looking for mortgage options.

In addition to these online forms, Phoenix Bonds also has a list of requirements for each type of client. It even has an online bond calculator for your convenience.

With such online features, it also delivers fast responses regarding pre-qualification and loan applications.

We also like that Phoenix Bonds caters to those looking for either a residential or a commercial mortgage. It’s also worth noting that Phoenix Bonds assists aspiring developers who are still seeking approval for their plans.

Speaking of its clientele, we should also tell you that Phoenix Bonds can cater to just about anyone. 

Whether you’re self-employed, a first-time homebuyer, or a full-time employed individual, you can approach Phoenix Bonds to help you find the right mortgage given your financial situation and property preferences.

When it comes to partnerships, Phoenix Bonds is keen on keeping close relations with loaners and lenders alike. Phoenix Bonds even has a partner law firm to make property transfer and other legal matters easy.

These connections enable Phoenix Bonds to deliver full-range services for customers buying homes and developing properties. These are also the reasons why we gave it full credit for network and partnerships.

Now, if you’re looking to buy a car, then U Sorted Financial Services may likely have the best loan broker in Johannesburg for you. It offers vehicle loan brokerage services for new and used cars alike.

Since it also has connections with dealerships, it can also give access to various types of cars. U Sorted Financial Services even goes beyond common vehicle loans as it also offers loans for leisure mobiles like caravans, golf carts, boats, and even jet skis. 

This loaning brokerage also works as an online dealership, so both buyers and sellers can benefit from it. 

As such, U Sorted Financial Services is also knowledgeable and updated with dealership markups and trade values. This enables its brokers to provide their clients with the best car loan deals.

We also like that it offers various options for consultations—either fully virtual, hybrid, or fully face-to-face. U Sorted even operates the longest among its various competitors, which is why it received a perfect score for the availability criterion.

All you need to do to avail of their services is to schedule an appointment and apply for pre-qualification. Once you submit an application, U Sorted then applies to various banks.

While it doesn’t have a special page discussing its fees, U Sorted still gained high points for the fees criterion. This is because it offers a high referral fee, which you can withdraw in cash.

BetterBond is a loan broker exclusively for mortgages. It has connections with various banks and lenders all over the country, which is why we gave it a high score for “Network and partnerships”.

However, since it doesn’t have real estate agents and attorneys on its team to help with the entire house buying process, we didn’t give it full points for partnerships. 

Still, BetterBond’s services span considerably well, from pre-approval up to mortgage application and documentation. Since it also offers pre-approval services, BetterBond can thus cater to clients who are still canvassing for mortgage loans.

BetterBond can also benefit just about any aspiring homeowner as it accepts full-time employees, self-employed, contractual, part-time, temp, and even retired individuals.

Besides, BetterBond also has an online calculator and intuitive online forms that anyone can access through its website.

BetterBond’s stats even go beyond its competitors as its average interest rate reduction is up to 0.61%. So, if you’re looking for the best loan broker in Johannesburg to give you lots of low interest options, then BetterBond may be what you need.

Since banks directly pay a once-off fee to BetterBond, it also means that you’ll be paying less for its commission. That’s why we gave it high points for BetterBond’s fees criterion.

Just as its name suggests, Advanced Home Loans offers the best mortgage options for aspiring homeowners. Its services include assessment of your circumstance, assistance during pre-qualification and application, monitoring, and negotiation of mortgage rates.

However, the drawback of Advanced Home Loans is that its services are only limited to securing mortgages. That’s because it doesn’t have partners in real estate and legal fields.

What we like the most about Advanced Home Loans is that it’s very transparent. That’s because it has a list of its network of banks and lenders for your reference.

Additionally, this loan broker’s website also has various guiding resources. These include application forms and even documents regarding transfer fees, bond costs, and affordability tables.

Additionally, Advanced Home Loans’s website also has a useful mortgage calculator to help you easily estimate loan payments. 

We also like that Advanced Home Loans assigns brokers to clients, making sure that clients need only contact one broker for the entire home-buying process. Even better, it has its brokers’ email and phone number details posted online for direct communications.

Do know that it’s only available on weekdays. Setting face-to-face consultations is also trickier with Advanced Home Loans as it doesn’t have an office you can visit.

But what really sets Advanced Home Loans apart is that its pre-qualifying forms are located on a single page, so you can easily keep track of your progress and your answers.

Payneless Bonds also has the best loan broker in Johannesburg for those needing funding for their residential homes. Its loan products include new loans, loans on existing properties, building loans, and even for insurance and commercial financing referrals

This mortgage broker is known to help its clients save as much as 0.5% on their interest rates, giving its clients at most R 1000 monthly savings for mortgages.

We also like that Payneless Bonds has an online calculator where you can compute bond repayments based on the property purchase amount, mortgage loan term, and interest rate. 

This online tool can thus help its clients set their expectations on their financial obligations early on.

It can also cater to a wide range of clients, from employed clients with fixed salaries to individuals that are either self-employed or have a fluctuating income. Payneless Bonds even caters to first-time buyers.

All you need to do is to send the necessary documents for pre-qualification, and later for application. Then, Payneless Bonds will forward your documents to its numerous bank partners.

Since it has over 7 bank partners for loans, you also get more options for your mortgage. Do know that its lenders are limited to banks.

We also like that Payneless Bonds is relatively transparent with its service fees. That said, this mortgage broker’s fees don’t cover any legal costs for home buying.

Luckily, Payneless Bonds helps with the entire purchasing process. That means that you get help from the application and negotiation process to the documentation and finalization of the sale.