Immigration South Africa
Visa South Africa
South Africa Immigration
Permit South Africa

Visas

Intergate Immigration Service has an expert team of immigration consultants and certified Home Affairs practitioners. The team has the latest knowledge on immigration legislation and has well established researched information on expected relocation procedures and changes.

Foreign Exchange

Exchanging money can be a daunting experience. Our well-informed experts can save you avoidable charges. Incompass Financial Solutions will guide you through the exchange process. The experts will advise you on the best solutions, whether it is a lump sum of money or a staggered monthly transaction.

Property

SA Homebuyers has been established with the aim of providing a sophisticated property buyers service. Acting as an independent property consultant, the service provides an unashamed bias towards protecting the buyers interest and assists in securing you the right property, in the right area and at the best price.

Tax

Seeking tax advice is never high up on anyone's shopping list, however the perception that tax advice is a necessary evil is not always correct. Yes it is true that tax advice helps you to comply with legislation and ensures compliance but it can also offer the opportunity to structure your affairs in the most tax advantageous fashion.

Insurance

Whether it is house and home, car insurance, medical aid or commercial cover, Incompass Insurance offers a free and independent assessment on your specific insurance needs. Furthermore, Incompass Insurance is one of the biggest guest house insurance brokers in South Africa.

Banking

Opening up an appropriate bank account in South Africa often proves more difficult than you may think. We are able to provide our clients with advice on local banking, cash accounts for lump sums and Swiss banking.
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Bonds / Mortgages - South Africa

In many countries, a “bond” is more common terminology for a saving vehicle rather than a product for raising property finance. The term “mortgage” is more common term in Europe.

A bond in South Africa is an amount borrowed against a property, either for the purposes of purchase or raising funds. In return for the bank (or other lending institution) granting a bond, the bond holder (borrower) is required to make a monthly payment of interest and capital. The property is used as collateral by the lender in case of non payment by the bond holder.

For more information on our services please feel free to contact us via

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To e-mail your enquiry

To request a call back

Types of Bonds

Bonds can be offered on the following basis:
  • Fixed Rate Bonds – the lender agrees to grant a bond at a set rate for a certain period of time. This option can be useful for clients seeking to know exactly what they have to pay each month with no fluctuations.
  • Variable Rate (Prime) – The lender grants the bond at their normal lending rate. It can increase and decrease as their lending rates alter.
  • Prime Minus – The lender agrees to grant the bond at a discount to their normal lending rate. Incompass Bonds negotiate this on their clients’ behalf.

Terms of Bonds

South Africa bonds are normally granted for between 5 and twenty years. It is important that your bond allows flexibility of payments - paying even a little more on your monthly bond can save you thousands of rand and many years of payments.

Different Classification of Bonds

South African lenders tend to classify bonds into three areas:
  • Commercial Bonds – for example the purchase of an office or commercial premises.
  • Residential Bonds – for domestic properties.
  • Semi–Commercial Bonds – this would include property that has a commercial and residential element to it such as a guesthouse.

More information on guesthouse financing is available here

For more information on Property Finance, please use the links below

What are access bonds? – Learn about access bonds and their flexible features.

Taking out a bond when you don’t need to? – Combinations of exchange control, consumer credit regulations and the potential need for flexible, competitive credit lines can mean a bond should be arranged even if not required to finance a property purchase.
 
 
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