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Employed Clients 

  • 3 months payslip
  • ID
  • Bank statments
  • Proof of address
  • Offer to purchase
  • Signed sale agreement

Employed Clients With Commission / Overtime

  • 6 months payslip (overtime/com included)
  • ID
  • Bank statments
  • Proof of address
  • Offer to purchase
  • Signed sale agreement

Self employed clients

  • 3 month pesonal bank statment
  • 6 month business bank statment
  • 2 year comparative audited AFS signed and dated
  • Latest management accounts
  • Personal assets and liabilites signed and dated
  • OTP

Trust Requirements

  • Identity document
  • Letter of drawings / Payslip
  • 3 months' personal bank statements
  • 5 months' business bank statements
  • 2 years' signed and dated financial statements
  • Signed and dated personal assets and liabilities
  • Company registration documents
  • Master’s Letter of Authority
  • Resolution
  • Letter of non-trading entity (if the trust is not trading)
  • Identity documents required for all beneficiaries
  • Personal assets and liabilities required for the trust
  • Trust deed
  • Offer to purchase

Buyer's Finance Checklist

  • Get pre-approved to understand your budget.
  • Gather your latest 3 months bank statements.
  • Ensure your credit score is in good standing.
  • Compare multiple bank offers with our experts.

Submission Guidelines

  • Email submissions: Send your complete document pack to info@empirebonds.com. ​
  • File Quality: Provide high-resolution PDF scans or clear photos. Ensure all four corners are visible and no text is cut off.​
  • Avoid Delays: Submit all documents in a single email rather than multiple parts. Ensure your ID and proof of residence are not expired.

BUSINESS & ENTITY DOCUMENTATION

Corporate Entity Detail

  • Official company identification certificates along with valid passports for all shareholders and registered directors of the firm

Company Asset Records

  • Valid Sales Agreements, Property Title deeds, and verified municipal statements for all current corporate-owned lands
  • Company Clients- Company registration documents (CIPC / CK / MOI)
  • Latest 6–12 months company bank statements
  • Latest 2 years audited financial statements
  • Latest management accounts (if financials older than 6 months)
  • Resolution authorising the purchase and signatories
  • Director(s) IDs and proof of address
  • Personal assets and liabilities for main director(s)
  • Offer to Purchase (OTP) / signed sale agreement

Company Client Documents

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AFTER SUBMISSION OF DOCUMENTS:

This gives a brief discussion of what happens after submitting your documents to us.

Step 1:

Conduct Credit check.

We begin by reviewing your credit profile to understand your financial position and determine your eligibility for a home loan. This allows us to identify the lenders that are most likely to approve your application while ensuring the process starts on the right footing.

Step 2:

Once your initial assessment is complete, we'll provide you with a personalized checklist of the documents required to process your application. These typically include your identification, proof of income, bank statements, and any additional supporting documents needed by the banks.

Obtain list of documents required.

Step 3:

Submit Application to Leading Banks.

After all your documents have been received and verified, we prepare and submit your home loan application to a panel of South Africa's leading banks. Applying to multiple lenders increases your chances of securing the most competitive interest rate and loan terms.

Step 4:

Wait for Approval in Principle (AIP)

The banks will review your application and assess your affordability, credit history, and supporting documentation. If successful, they will issue an Approval in Principle (AIP), which is a preliminary indication that they are willing to finance your property purchase.

Step 5:

Receive Your Approval in Principle

As soon as we receive your Approval in Principle, we'll contact you and explain the details of the offer. We'll guide you through the terms, conditions, estimated repayments, and answer any questions you may have before moving forward.

Step 6:

Property Valuation & Assessment.

Once an offer has been received, the bank will arrange for a professional valuation of the property to confirm its market value. If you qualify for any available housing grants or subsidies, these will also be assessed during this stage of the process.

Step 7:

Choose the Best Offer

If multiple banks approve your application, we'll compare all available offers on your behalf. Together, we'll review the interest rates, repayment terms, and benefits to ensure you choose the home loan that best suits your financial goals.

Step 8:

Attorneys Are Instructed

After you've accepted the preferred offer, the appointed conveyancing and bond registration attorneys are instructed to begin the legal transfer process. They will handle the necessary documentation and registration, keeping you informed until your property transfer is complete.

Final Outcome:

From your initial credit assessment to the final registration of your home loan, our team manages the process every step of the way. We liaise with the banks, assist with documentation, negotiate the best available offers, and keep you informed throughout the journey making your path to home ownership as smooth and stress-free as possible.

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