Up to 110% Home Loans. Pay Zero Bond Fees. Save Money!

Compare Up to 8 Lenders. Get Your Free Quote Today!

  • No Deposit Needed
  • 48 Hr Turnaround
  • Highest home loan approval success rate
  • 15 Years Experience with a Proven track Record
  • Best Rates & Terms Available
  • Save Thousands of Rands on your Home Loan

Simply complete the form below to get your free quote....

What We Do

YOU WANT THE ABSOLUTE BEST HOME LOAN. WE GET IT FOR YOU.

As an independent bond originator (home loan broker) our job is to find you the best priced home loan in South Africa. We work for YOU and not the banks, cutting your cost and saving you money. Easily compare different home loan options and get your home loan approved faster, easier and more affordable.

HOME LOANS FOR FIRST TIME BUYERS

Up to 110% home loans for first time buyers

BUYING A
NEW HOME

Innovative financing options for home buyers including no bond cost home loans and building loans

REFINANCING & SECOND BONDS

Refinance your home loan and reduce your monthly repayments or apply for a second bond and get the cash flow you need for home improvements or use the funds to consolidate your debt.

HOME LOAN CALCULATORS

Use our calculators to see what your repayments will be, what refinancing can do for your cash flow as well as the rent vs buy calculator

Simply complete the form below to get your free quote....

Let 15 Years Experience Work For You!

If you’re not familiar with who I am, my name is Zulika van Heerden and I’m the owner of GPF Mortgage.

I’ve been working as a bond originator (home loan broker) in the home financing and real estate business for over 14 years. During all these years in the mortgage industry I have so many people just like YOU not getting the home loan they deserve because of incompetent staff, bureaucracy and a lot of red tape.

It is such a tragedy because the majority of those declined home loan applications could have been saved if those home buyers did not go to their bank first.

Sadly, most people do not realize how beneficial it can be to get a home loan expert on their side that’s prepared to roll up her sleeves to get your home loan approved at the lowest possible interest rate.

So, why add more stress and worry to your life fighting with incompetent call centre consultants at the bank? Let someone else do the fighting on your behalf so that you can free up more time to spend with your family and friends.

It is a very rewarding experience to help my clients to get the finance they need. In fact, I love working with people and consider myself very fortunate to do something I have a great passion for which is helping people.

To me, it’s rewarding and fun! And because of that natural inborn passion, I am an absolute piranha in getting my clients loans approved. Like anything in life if you study something long enough, you’ll become an expert. No matter what you’re studying.

In my case I’ve learned a thing or two about how the mortgage industry works and how to structure deals to my clients benefit and not the banks. I’ve started in the real estate business, but since 2001, I launched my bond origination and consulting business.

So I have been on both sides of the table and I know this industry inside out.

CLIENTS WHO TRUST US

I would like to say thank you to GPF in helping us secure a bond... as first time buyers and being self employed, we were told by other originators that we wouldn't get a bond... and Charleen Peters (GPF) went out of her way to ensure that we did and we even got 100%. I am really thankful that I used your services..."

Prethee Rajkumar, Randburg, Gauteng

I have never encountered a company who puts their clients first before their own pockets as GPF Mortgage. I was a first time home buyer who have been fighting for years to purchase property. All it took was one email to them and within a week my bond has been approved..."

Johnathan du Preez, Durbanville, Cape Town

Home Loans For First Time Buyers

UP TO 110% HOME LOANS FOR FIRST TIME HOME BUYERS

 

If you're buying property for the first time you can get a home loan of up to 110%. You don't Need a deposit to apply and this type of loan will cover your bond registration cost and transfer fees. To find out if you would qualify for a 110% home loan, click on the button below.

Please note you must have a good credit record to qualify for a no-cost home loan.  If you're not sure whether you have a good credit record you can visit one of the credit bureaus such as Experian to get a free credit report.

If your outstanding debt has been paid off and your listing has been removed from the credit bureau you could still qualify for a mortgage bond. Click the button below to find out if you can qualify.

 

Simply complete the form below to get your free quote....

BUYING A NEW HOME?

PAY ZERO BOND FEES ON YOUR NEXT HOME LOAN

Whether you're buying or building a new home, our innovative financing options can help you save money. Pay no bond fees if you use one of our attorneys to handle your bond registration.  In addition, if you have a good credit record you could qualify for a home loan well below the prime interest rate that your bank is offering you.

Refinancing

SWITCH YOUR HOME LOAN TODAY AND SAVE MONEY

 

If interest rates are low you can switch your home loan to another lender in order to lock in a lower interest rate.
You could also use the services of a bond originator to help you refinance your home loan for a better interest rate than you're getting at your current lender.

Refinancing also allows you to get access to the equity in your home which you have built up over the years. Sometimes also called a home equity loan, it allows you to borrow funds against the equity that is locked up in your home. For example, if you have owned a property for a number of years, there is a good chance that the value of your home has increased.

By refinancing your home you're basically getting a new mortgage bond based on what your property is worth today, and not on the amount it was valued at when you first applied for a home loan.

So, if your outstanding bond is R1 million and your home is valued at R2 million there is a R1 million difference in the between the value and what you owe.  In other words, you have up to R1 million in equity, which you can use through the process of refinancing your mortgage bond.

Simply complete the form below to get your free quote....

Simply complete the form below to get your free quote....

How Does it Work?

1 copy Simply click the "Get My Free Quote Button" and complete your name, email and a few details on our short application form.

Simply complete the form below to get your free quote....


2 copy We usually respond within 2 hours during weekdays.  You will know how much you qualify for and what we need from you to proceed with an application.


3 copy You submit a full application and your documents and we get you an answer within 3-5 working days.

START TODAY!

Simply complete the form below to get your free quote....