GetGo Home Loans

We’re GetGo Home Loans, and we’ve got you

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Welcome to GetGo Home Loans. We’re here to take the moan out of loan to help make your dream home a reality.

Since 2010 we’ve secured billions of Rands in home loans and helped thousands of happy customers find and secure their new homes. GetGo Home Loans is one of South Africa’s largest bond originators.

We have excellent relationships with all the major banks, we know the right people to speak to and are specialists, as we deal with home loans every day so we know our way around what can often be seen daunting process. This is what we do, and we love it.

We have helped over 50,000 families own their own homes from when we first opened our doors.

Do you want a team of knowledgeable and friendly professionals who really care about helping you buy a new home? We’re ready.

Do you need someone who can negotiate the best home loan rate for you?
We’re all set.

Would you like great service and a simple process?
Let’s go.

From start to finish, side by side.

We’re GetGo Home Loans, and we’ve got you.

Launched in 2010

Launched by Gavin Southwell, Graham Paterson and Herman Stals, Capcubed was the culmination of decades of experience, friendship and combined skills across systems, sales and finance.

Former Executive Directors of Mortgage SA (now ooba Home Loans), Gavin, Graham and Herman grew Capcubed from a start up to one of South Africa’s largest bond originators in 10 years. The business has grown rapidly with offices in the Western Cape, Gauteng, KwaZulu-Natal and the Eastern Cape.

It’s from this solid foundation and passion to make home loans accessible to more South Africans that we’ve evolved into GetGo Home Loans. From start to finish, we’re with you all the way.


Q What is a bond originator?

We source and secure bonds for our customers and are experts in our field, working with all the banks to ensure you get the best home loan possible. We do all the hard yards - assist with admin, pick up the paperwork, decode the jargon and offer advice, working tirelessly to get you the best deal and interest rate.

And it’s free! That’s right, we don’t charge you a cent. 

Q Do I need a bond originator?

Yes you do. We’ve helped thousands of families get their own homes, which is why more and more people are coming to GetGo Home Loans to help them secure the best bond for them. Our team of trained and knowledgeable Home Loan Specialists do the heavy lifting, so you don’t have to. Need advice? Have questions? Want options? That’s what we’re here for.

We have relationships with all the major banks, we know the right people to speak to and we’re excellent at dotting the i’s and crossing the t’s. This is what we do, and we love it.

Q What is a bond pre-approval?

Bond Pre-approval provides you with your credit score, and an assessment of how much you can afford, based on your income and expenses. It means you can start looking for a home with confidence, knowing what your optimal price bracket is.

It’s a free, no-obligation service offered to buyers with the help of bond originators, like GetGo Home Loans. Get in touch and let’s get going. 

Q Does pre-approval mean approved?

Not quite. Pre-approval simply provides you with a realistic idea of what you can afford, based on your income and expenses, your credit record, and your chances of getting a bond approved. The agent and seller will also recognise you as a serious buyer.

Q How much can I afford?

The million-Rand question. A home loan is long-term commitment. Your new home should add value to your lifestyle, not restrict it. Think about how much you’re willing to pay each month on your home loan. Look at what you earn, how much you want to save for the future, your current debt, where you want to spend your hard-earned money (education for your kids, travel, home improvements) and balance it out with what you can realistically afford.

Do the maths, because the banks definitely will. Luckily for you our calculators take the guesswork out of the numbers. Give them a try now.

Q Will I need a good credit rating?

It Definitely helps. Your credit history makes up a large portion of your credit rating, so making payments on time each month will show you’re a solid, reliable payer.

A high credit score is great when buying a home:

1. Banks could offer you a lower interest rate because you’re less of a risk.
2. The loan to value you will qualify for may be higher. Loan to value is the deposit you may need to pay towards the purchase price of a property. A better credit rating means a lower deposit.

A good credit rating is a very valuable thing to have.

Q Will a deposit get me a better rate on a home loan?

Yes, the higher your deposit, the less risk you are to the bank. A higher deposit improves your chances of securing a better interest rate on a home loan.

That said, not everyone can afford to put down a deposit. Some banks are granting bonds with no deposit. The advantage of a deposit, though, is it reduces the size of your bond, your monthly repayments, and the interest you’ll be charged over the term of the loan.

Our advice? If you can, put down a deposit. Use the calculators to see what you can afford.

Q What hidden costs are there when buying a home?

Your biggest expenses are transfer costs, transfer duties, and bond registration costs. These need to be factored into your calculations.

But don’t forget about things like moving costs, repairs and maintenance before moving in, home and household insurance, and rates and levies. These all need to be factored in and aren’t necessarily related to the home loan itself.

Remember, we’ll be with you from the get go, to make sure you understand every step of the journey to owning your dream home.

Q I’m self-employed, how will this affect my bond application?

The application process is a little different if you’re an entrepreneur. Some banks require additional documentation, surety and higher deposits. Speak to us and we’ll give you the guidance you need to secure your home loan.

Q I already own a property. How will this affect my bond application?

If you own an existing property, there are several factors taken into consideration when you apply for another home loan, like your credit rating, the size of your current home loan, income versus debt and what the property will be used for (investment or to live in). Speak to us and we’ll give you the guidance you need to get your second property.