TESTIMONIALS
I am so grateful and thankful for the help and efficiency I received from the Payneless Bonds Team. It was very overwhelming purchasing my first property and had tons of questions, yet Payneless Bonds made it so easy and always answered every question I had. The process was smooth and fast, feedback was given all the time. I cannot thank the team enough for helping me through this process and will definitely stress to everyone that is looking at purchasing a home to use Payneless Bonds. I will be telling everyone and carrying the Payneless Bonds flag high. I really appreciate all your effort Alicia, Nicole, Sanette, Marina and the entire Payneless Bonds Team.
Thanks for the constant updates and super quick responses to all queries and questions. Was a pleasure to have you take care of my bond application.
Ek wil julle bedank vir julle vinnige professionel diens! Dankie dat julle dit moontlik gemaak het om ons 1ste huis te kan koop. Ek sal julle aanbeveel vir enige iemand- julle hanteer ons soos julle enigste klient. Dit was voorwaar ‘n plesier om met julle te kon deel. Weereens duisend dankies!
I would recommend Sanette and Douglas to everybody . Their service is outstanding and cant be beaten . Friendly staff that are always on the ball and keep you informed at all time . You could not ask for better .
The Service is satisfactory, the ladies are quick, professional and very proactive, I am loving it!
The speedy service and the regular updates was exceptional!!!
Not only was my bond approved as I failed to get this by myself, the rate received was competitive. We are extremely happy and would recommend your professional services to all our friends, as that is what friends do:)
Fantastic service from everyone at Payneless Bonds! It is incredibly daunting to purchase a home, but Sanette and the team have always helped us understand everything, included us in every update and have always been able to put us at ease! Thank you everyone! We look forward to moving into our home thanks to you! Payneless Bonds = efficient on time and professional
Thanks to the team for the speedy service and effective communication!
WHY CHOOSE US
35 years combined experience with a proven track record
We get the job done hassle free and always negotiate the best possible deal
We believe that passion and commitment is the key to success
We only have qualified brokers and originators working on your application
Our customer service standards are of the highest quality
We stay up to date with the latest legislation and bank requirements
Sanette, We want to thank you and your team for the efficient work you do, with great positive results. Also the communication is outstanding. The extra effort and time you put into your work is appreciated. Excellent Service! God Bless
Thank you so much for everything! Service was great. You all went out out of your way to realize my dream, And you never stopped trying. Even when I was fed up. Will definitely recommend you!
You guys were efficient, fast and I did not expect to receive responses from the banks in 2 days.
All of our questions and concerns were addressed quickly, thoroughly, and professionally.
Sufficient and Payneless!
I would like to take this opportunity to thank you in assisting me to get the bond finance. My rating is 10/10 keep it up on doing the best!
Awesome service.
Excellent work from the Paynless team!!
Thank you so much for your outstanding work, we could have not done this without your help.
PayneLess Bonds kept in contact with me constantly on the progress of my Bond application & offered excellent customer service. Follow up was also concluded & advise provided of how to better maintain my Credit Profile. I would recommend them to a friend as they are professional and go the extra mile to show that they care.
Awesome people to work with, building loan approved in a week!!wow!!! what a great experience.
If only half of the people in the world had the passion and drive like the Payneless Bond team has, the world would be an amazing place! I am truly impressed with the service we received from Sanette and her team. Thank you so much for making our dreams a reality! Within 2 weeks we had a bond approval, with the extra amount for renovations. This team constantly updated us and explained the best way forward. No question was unanswered and they went out of their way to assist us.Thank you for your excellent service!! May your team be blessed with all the success in the world.
Regards Inez & Tommie Trollip
I am 100% impressed with the service received, would recommend to anybody wanting to purchase a property. SOO SOO convenient and efficient. Thank you PAYNLESSBONDS. It was certainly “PAINLESS” and hassle free!!! *****You guys are awesome!! ********
Hi Sanette and team
words fail me but I can not begin to explain your level of dedication and professionalism you have shown when dealing with us. Your dedication goes beyond the call of Duty. I am forever indented to you guys
By the way for the competition I would love to build my little girl a little play house in the new garden that you guys have facilitated soo professional for us
Regards
Sylvia Maphathe
Sanette en al die dames by Payneless Bonds….dankie dat julle altyd daar is en altyd bereid is om met enigiets te help en altyd op hoogte is van wat vir ons kliente belangrik is !
We loved the attention to detail and the liaison with the banks, it gave us success!
Unbelievable is all I can say !!! If Sannette and her team can’t get your bond approved……go and get a tent as it is not going to happen…….
Amazing Service. Fast, friendly and very helpful.
Now this is customer service that you don’t find anymore. Excellent, professional and just plain awesome. Now that we know what bond we can afford we can start the search for our dream home where we will have many happy memories. Thank you, thank you, thank you!!! I will recommend your service to everyone.
Payneless bonds rock , Sanette and team you are best, i really appreciate the extra mile you went to secure my Bond, Thank you for the updates i got daily .You were with me all the way until we received a favorable response , i am forever grateful for what you did for me , i hope in future i am able to use again, i am going to recommend you to all my friends cause you 1 in a million
Ek en my man wil net baie dankie sê aan die span by payneless bonds. Jul het regtig jul werk uitstekend gedoen en ons bond was goed gekeur in n week!!jul mag maar! Sal jul aan beveel waar ek kom.
The team worked on my bond and the team was able to get me 100% bond approval. Their turn around time is quick.
They are the best.
I would definitely recommend them to anyone.
Sanette and team, what an awesome experience and honour it was to have had the opportunity to deal with Payneless Bonds. By far the most professional and efficient Bond Originators I came across, therefor I would like to thank you from the bottom of my hart. I will definitely recommend you and your team to every one I know.
Regards
Danie and Justine
Just want to give big shout out to the Payneless Bonds team! Sanette, you and your team gave a personal touch to the whole process, that I doubt other bond originators provides. As a first time home buyer you had a lot of patience to my stupid questions, gave updates every step of the way, we weren’t in the dark one moment. And everything was handled very quickly and efficiently, we had our final home loan approval within a 2 weeks, actually it was a week, wow! Thanks ladies! That’s what I call “girl power”
Julle dienste was uit die boonste rakke en terugvoering was vinnig en deeglik. In RSA waar diens altyd pateties is was julle sin uitstaande! Baie geluk met julle uitstekende diens.
Just want to give big shout out to the Payneless Bonds team! Sanette, you and your team gave a personal touch to the whole process, that I doubt other bond originators provides. As a first time home buyer you had a lot of patience to my stupid questions, gave updates every step of the way, we weren’t in the dark one moment. And everything was handled very quickly and efficiently, we had our final home loan approval within a 2 weeks, actually it was a week, wow! Thanks ladies! That’s what I call “girl power”
Facebook Reviews
We want to thank you and your team for the efficient work you do, with great positive results.
Also the communication is outstanding. The extra effort and time you put into your work is appreciated.
Excellent Service!
God Bless
Follow up was also concluded & advise provided of how to better maintain my Credit Profile. I would recommend them to a friend as they are professional and go the extra mile to show that they care.
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Would love to make the new home my own with the DIY voucher………..
Thank you for your entry for our Month of Love Competition Francois. We will be doing the lucky draw for the R2000 DYI gift voucher, by the end of the week and the winner will be announced on our Facebook page.
Awesome professional service. Through the whole process I was guided, updated and it felt as if my interests were always at the forefront. Well done to Sanette and her team of professionals. I would recommend their services to friends and family or anyone who has to embark on such a process.
Ons kon nie n beter maatskappy gekies het om ons verband te hanteer nie. Sanette en haar span is voorwaar die beste. Ons sal julle ewig dankbaar wees vir die uitstekende en vinnige diens. Weereens baie dankie. Ons sien uit na ons aftrede in “Soete Inval” danksy julle harde werk.
Thank you Sanette and your team we received an absolute awesome service from you!
Dear Sanette & Team.
Thank you so much for your excellent service. We would most probably have not gotten 100% bond approval, but because of your passion and dedication to helping us get our DREAM HOME, EVERYTHING WAS APPROVED.You worked tirelessly, throughout the process, and gave feedback on a regular basis.
We would recommend your services to anyone at anytime, thank you so much.
Ek wil graag vir Sanette en haar span bedank vir hul uitstekende diens.
Die hele span is uiters professioneel en effektief.
Die deurlopende terugvoer gedurende die proses word opreg waardeer.
Dit was die tweede keer dat ek van hul dienste gebruik gemaak het en beveel hulle ten sterkste aan.
Ons het nog nooit voorheen sulke goeie diens ontvang van n bond originator soos hierdie een nie.
Sanette en haar span is baie professioneel en gaan uit hulle pad uit om jou te help deur die proses.
Weereens dankie aan die beste bond originator maatskappy!
Sanette and her team offered us amazing service. They were fast, friendly, helpful and very professional.
I would highly recommend them. They truely went out of their way to assist us with a complicated application and explained everything to us through the entire process.
Waar dit vir ons soos n berg gelyk het om oor te kom het Sanette en haar span vir ons die berg plat gevee.
Van die eerste oproep af tot die finale teken was hulle eenstryk deur daar om in die agtergrond alles met die banke en agent uit te sorteer. In vandag se besige lewe en druk skedules weet ek nie hoe ons die huis transaksie so ”payneless” sou kon doen. Profesionele raad en aanbevelings tot die geduldige luister en antwoord op ons vrae.
Baie dankie weereens
Douw en Christa
Well done Payneless bonds , Sanette Payne in particular.
Your excellent service and the results you were able to “strategically” achieve for me has motivated me to write this testimonial. I will absolutely recommend your services.
If you have the time to read , Here below is my “Why”
In my previous property purchase about
2 years ago , I applied for a bond through a well know bond originator. According to the evaluation the house was priced correctly , in a prime area , I was financially ready and I had nursed my credit status for this occasion.
Disappointedly, I was presented with 4 “ridiculous” offers from the mainstream banks. The bond originator made a few calls and we then had some counter offers of which I chose 2 of the best offers to proceed with. After several intensely motivated kickbacks from the bond originator to the banks, the final offer I accepted was a 92.5% bond @ 11.51% interest. Second best offer on the table dropped down to an 80% bond with around 12.75% interest.
The results achieved by Payneless bonds this time round were significantly better.
The first 4 offers collected not only came in at 100 % bond , 3 fell under 11% with 1 below 10%.
The best offer with a weighted average interest of 9.905% over the full period of the loan. With an incredible 9.765% interest for the first portion of the loan amount.
Why then were the results of 2 years back and this time round with Payneless bonds so dramatically different ?
In actual fact , my previous bond application mentioned was so disappointing that I hadn’t actually planned to approach a bond originator for my next property purchase . I prepared to apply in person with my home bank. I was convinced it would bring better results this way, but after the first 2 visits to my prestige banker and a couple of calls to the helpline, I experienced first hand and awoke to the reality that I’m dealing with a process that is predominantly system driven and time consuming for queries and feedback. I had no idea what I was doing , also had no insight into what happens behind the scenes. In my experience the banks have lost any personal service and the ability to make decisions outside of this system they have created.
If you are one of the fortunate clients you may have a dedicated and professional banker that prepares well and does the necessary homework. But again through my experience , they aren’t paying much attention to pre-preparation or rectifying your credit status when possible , all valuable steps to take in order to set you up for the best possible results. There wasn’t any pre-credit check to ensure I had a clean credit score and I’m so glad I followed my gut and stopped the process.
In hindsight , I now see the importance of the preparation before application.
Sanette spent the necessary time preparing for each application. In our pre-credit check we dealt with 3 issues which we were able to resolve , I was advised to request a copy of all the relevant paid up letter to add to the application. We even found a legal note from my home bank incorrectly instated against my name , which I spend 2 weeks following up until they removed it.
As the application and credit rating is system driven , Payneless bonds understand the importance of the initial credit check and using these results to prepare and clear issues that can be rectified.
I can confidently conclude by saying , the results were systematically and strategically achieved, I have never experienced this level of dedication and commitment.
Thank you Sanette Payne and Payneless bonds team for your efforts and the results achieved.
Best Regards
Russell
Being in the industry, doing transfers of property, one takes for granted what you “think you know”.. My fiancé and I recently purchased a property together. We submitted our application to Payneless bonds and WOW.. how my expectations were exceeded!!! The daily feedback, constant updates, friendly service, friendly help and all our questions being answered with a smile, always! I cannot even begin to explain the experience! What made it even more impressive was the knowledge Payneless bonds shared with us. What I thought I knew, has been improved drastically. Sanette and her teams’ knowledge is impressive! And, to top it all, they made it super easy for us to understand. They understand that people do not buy a property everyday. They explained it in layman’s terms that you do not have to be an expert to understand. All I can say, Payneless bonds.. Industry experts is un understatement!! Definitely my number one choice! Most importantly.. THANK YOU!!!!!
Thank you Sanette and team for your professional service. We were updated regularly and received a favourable result. I would recommend PayneLess Bonds to anyone requiring a home loan.
Sanette, Nicole & Alicia was uiters professioneel en effektief deur die hele proses. Hulle het dit regtig pynloos gemaak en ek kan hulle ten hoogste aanbeveel veral aangesien dit ons 2de keer was wat ons hul gebruik het met elke keer fantastiese diens. Baie dankie julle!
Thank you Sanette and Team on the outstanding service you provided me. I will definitely recommend you to anyone buying a new home. You are all AWESOME!!
Best Regards,
This is the 2nd time I’ve used Payneless bonds to assist in obtaining a bond. I am delighted to say that as with the first time Sanette and her team were able to secure us a fantastic bond. The team are professional and SO FAST. Feedback is given every step of the way. Advice and information is highly informative to allow one to make decisions. The team did a stellar job of negotiating with our bond provider and we could not have asked for a better result. What a blessing to work with this team.
Sanette and your team thank you again for your knowledgeable, fast and kind service.
For someone who is working for a company registered outside of SA, being a contractor and “self employed” can be very difficult applying for a loan at any bank. After getting all my documents ready and sending it over to the banks for approval, the process was over before it even started. Sent in the 1st day. 2nd day approval was acquired. Payneless Bonds name precedes them, it is most definitely PAINLESS. Will be using their service again very soon for my next property. Recommend them to anyone.
A smooth, efficient and painless experience. The team is professional and delivers excellent, quick service. It has been a pleasure!
We would like to thank Sanette & all the staff from Payneless Bonds. We cannot commend the team enough for their professionalism, advice,time,effort & assistance. We will def highly recommend them. Thank you, thank you. God bless.
Ek het uitstekende diens gekry. Sanette het baklei vir ‘n beter koers vir my en het dit vir my gekry. Baie dankie.
Dear Paynelessbonds Team,
Very few first time bond applicants get 105% from the banks. But you guys made it possible for me even at a decent interest rate. Thank you for your speedy work and always keeping me in the loop.
Your name really says it all. My bond application process was absolutely PAINLESS… a dream actually.
Thank you Thank you Thank you.
Thank you very much to Sanette and team for friendly, professional and efficient service. Thank you for negotiating with the bank of our choice for a lower interest rate – all done in a record time. Thank you for always providing us with feedback. You have really made the bond application process a “payneless” process. We appreciate your assistance.
What can I say – WOW!!! After telling me that it would take between 5-7 days to get a bond approval and only a day and a half later I had approvals from all four banks, Amazing!!!
The service was excellent and the continuous feedback is really appreciated.
I have bought two houses before but this experience is by far the best ever.
Alicia, thank you for your support and tenacity, ensuring that I get the best deal out there.
Your manager should be proud to have you in their team. You are what makes people return and advertise your brand.
a BIG BIG Thank you very much to Sanette and team for friendly, professional and efficient service, you are truly amazing! This was my husband and I first buy and they offered the best service ever and everything was so smooth, helpful and always kept us up-to date on the process also offering the best advice.
Thank you for negotiating with the banks and making it a “payneless” process. We appreciate your assistance and the whole team went above and beyond to make our dream of owning a house a reality, and a dream come true. Thank you so much
Thank you for all the effort. Excellent service and extremely efficient!
Excellent service and immediate response to any queries. Will definitely recommend their services.
Thank you very much to Sanette and the team for friendly, professional and efficient service. All done in a record time. Thank you for always providing us with feedback. Thank you for all the effort.The service was excellent and the continuous feedback is really appreciated.
Sanette,
Alec and I would like to thank you and your team for your friendly and efficient service. As first time home owners the whole process was quite intimidating and we had so many questions of which you were always willing to answer, no matter the time of day.
You did a fantastic job in negotiating a very good rate with the banks too.
You definitely made the whole proces “PayneLess” for us.
Well done!!!
Sanette, just want to thank you and the ladies for your awesome work! It was so assuring for a first time buyer like myself to have you give direction so well. It was truly Payneless and for that I’m grateful.
Stay blessed in all that you do!🌻
Sanette en jou hele span!
Duisend dankies vir absoluut uitstekende professionele diens! Corona virus ten spyt,het julle dit so gemaklik en werklik payneless vir my gemaak. Ek is so dankbaar, tog jammer om te se,in ons pragtige land is sulke voortreflike diens uiters skaars! TROTS Suid-Afrikaans!
Julle sal geseend wees!
Thank you a million times over to Sanette and her team. I’ve worked with numerous bond originators in the past, and I can barely remember their names. Sanette and Payneless bonds, on the other hand, I will continue working with forever. Professional, effective, fast, friendly, patient, dependable, incredibly knowledgeable, SO helpful, and I have received the best possible offer of my life for a bond. I cannot thank you guys enough. I look forward to working with you in the future.
Great, great real service from Sanette and her team. they explained everything in detail and helped us make the right decision for us. I would use Payneless bonds again for sure.
Sanette and her team were efficient, professional and provided excellent services. We managed to get a bond approval within 1 week and at great rates. She went above and beyond in ensuring we understood all the details, and her team always updated us on the progress.
I recommend Payneless Bonds to anyone looking for great and professional services.
The experience I had with Sanette and her team was top notch. They know what they are talking about and expertly helped guide me through the process of getting a bond. As a first time buyer, I appreciated their willingness to answer any questions I had, and their openness in explaining the process as it was happening. I highly recommend Payneless Bonds to anyone who’s looking to apply for a bond.
We received quick and excellent service from Sanette and her team. We were very reluctant at first but they managed to secure our bond within three days at prime minus. Well done guys. We would definitely recommend other people to come and experience your great service
Thabo and Doreen
We received excellent service from you guys we would really like to appreciate your effort in helping us secure a bond.. We would love to work with you in the near future and definitely recommend your services to people. We really appreciate it.
We currently buying our first property and you honestly made this whole process so smooth and easy we really appreciate your assistance.
Sannette thank you for always keeping us up to date and providing the best service and advice.
We would definitely recommend your services.
Thank you Sanette and the amazing team for the unparalleled efficiency and professionalism. We would use Payneless bonds always.
Payneless bonds assisted us with the second property we ever bought. They are extremely efficient and respond to communication in record time. They patiently explained everything to us and allowed us to make informed decisions. Best bond originators out there!
Purchasing your first home is daunting, filled with uncertainty and much anxiety.
Payneless bonds have truly mastered the art of customer service and efficiency. Sanette and her team are highly efficient and friendly, making each client feel like exactly that… a valuable client and not just another number.
I had numerous questions, all of which was answered with the same enthusiasm and passion as the first. Sanette took the time to meticulously explain each concept I did not understand and was there every step of the way making sure we understood what each stage of the application process entailed. Sanette and her team make a conscious effort every day to make sure each of their clients are well looked after and feel valued. Payneless bonds, thank you for making our bond application truly painless!!
As first time buyers we didn’t know the amount of detail that goes into buying property, however Payneless bonds has made this such a pleasant experience for my husband and I. Nothing was to difficult for Sanette and whenever we didn’t understand something she would phone right away to give clarity. They really made us feel like they had our best interest at heart.
I would recommend them to anyone. They are simply amazing! and hope to use their services in future again. Once again Thank you so so much!!!! Godbless
A big thank you the team at Payneless bonds who made searching for the a bond that meets my financial needs exceptionally easy and quick. All the main banks they send applications to on my behalf succeeded with exceptionally low interest rates and and variant terms. Thank you for treating me with the utmost respect and explaining all the aspects of a bond to me in detail and easy to understand terms.
To Sanette and Team, brilliant service from start to finish. Your name says it all in getting a bond payneless.
Highly recommend people to use your service!!!
Well organized team ( Wilna and Sanette) were there for us all the way in the process of acquiring our second property. Giving us advise and able to attend any query we had. The best in the game.
Wow, what an amazing experience. Thank you for the professional, efficient and over all amazing service we received from the PayneLess Bonds team. Never again will I try and purchase a house without you guys. Thank you so much for all the help ladies.
Dear Sanette, Alicia and Nicole,
As a first time home buyer, the 3 of you have provided such an efficient level of service to myself. Within a day, I received feedback from my first bond approval. Thank you for the level of communication you provided to myself throughout the process and the prompt responses I received. I was not for one minute kept in the dark or unsure of where we were in this process. I highly recommend Payneless Bonds and will continue to use them in the future.
Thank you again for the outstanding level of service which I received. DEFINITELY HIGHLY RECOMMENDED!
A really big thank you to the entire Payneless Bonds Team for facilitating a bond for us with much professionalism, kindness, and speed. It did not matter whether it was Alicia, Nicole, Sanette, or Marina who was being engaged – you were all really helpful. This includes the pre-qualification phase of the bond application, which has played a very important part in securing the good price of the property we are buying. Another important part about your service is how you obtained for us a lowest possible interest rate at the time when they are already lower across the board. I recommend Payneless Bonds anyone to anyone seeking a service for property finance.
A very big thank you to Sanette and her very able and competent team for securing our bond for us, the name Payneless is appropriate as it was payneless.
We will no doubt be recommending you to anyone of our friends seeking assistance with obtaining a bond.