Focused review
Application Readiness Review
A focused check of the figures and supporting evidence likely to cause questions when your application is assessed.
View audit scope →Independent mortgage application review · Johannesburg
Know the weight of a home loan before you carry it.
We audit income, existing debt, household costs and likely ownership expenses so your bond application begins with a figure your life can sustain.
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A sober second look
Your approval ceiling is not your comfort level.
A lender assesses whether a loan meets its criteria. Our job is different: we test whether the repayments, levies, rates, insurance and everyday obligations fit the way your household actually spends.
Full written audit
Comprehensive Affordability Audit
A full review of earnings, debt, living costs, deposit position and the ongoing expense of owning the property.
View audit scope →
Scenario assessment
Interest-Rate Stress Test
A targeted examination of how repayment changes could affect your monthly margin after purchase.
View audit scope →How the review unfolds
Four stages, one clear borrowing range.
Brief
A confidential call establishes your property goal, application timing and household structure.
Evidence
We review payslips, bank statements, debt commitments and recurring costs you authorise us to examine.
Stress test
Repayments are tested against interest-rate movement, ownership costs and changes in monthly margin.
Findings
You receive a written audit with a reasoned affordability range and practical application notes.
Client evidence
Decisions made with fewer blind spots.
Our clients come before an application, after a disappointing pre-approval, or while comparing two very different property budgets.
“The audit added levies and rates that we had treated as an afterthought. We chose the smaller townhouse and still had room for childcare.”
— Naledi M., first-time buyer in Midrand
“I expected a quick ratio. The questions were more detailed than I anticipated, but the written range made my next conversation with the bond originator much sharper.”
— James K., Sandton
“They separated what the bank might grant from what our variable commissions could safely support. That distinction changed our offer.”
— Ayesha and Imraan, Johannesburg South
Before the application
Make the number answer to your household.
Tell us where you are in the buying process. We reply within one business day with the right audit scope and document list.
Discuss your application