Two questions, then you are done answering things.
These decide what we need from you. Everything after this is uploading — we read the documents and fill the forms in ourselves.
Who is buying?
How do you earn your money?
Why we ask this first
Banks want different things from a salaried buyer and someone running their own business. Asking now means you are never shown a field that does not apply to you — and it means the list you get is the real one, not a generic nine-page form.
Here is your list. Work down it.
Tap upload next to each one. Photos from your phone are fine — we check each file as it arrives and tell you straight away if there is a problem with it.
Your documents
Have a look at what we read.
We pulled these off your documents. You are not filling anything in — just tell us if something looks wrong.
From your ID and proof of address
From your payslips and bank statements
What you owe each month
Found in your statementsOne thing we found that you did not mention
There is a Woolworths account coming off your bank account at R500 a month since July. We have added it to your application. Banks check this anyway, and an application that already shows it looks a great deal better than one they catch it on.
Would you like to settle it when the bond registers? It is a small balance and it slightly improves what you can afford.
That is everything.
Your application is complete and on its way to a consultant for a final check.
You spent 11 minutes on this
Filling in one bank's paper application takes most people around 90 minutes, and you would have had to do it for each bank separately. Eighty-five percent of your application was read off the documents you sent rather than typed by anyone — which is also why it is more accurate than one filled in by hand.
What happens now
Why the speed matters to you, not just to us
Most Offers to Purchase give you a limited number of days to secure a bond. Every day lost chasing paperwork is a day off that clock — and a seller who starts entertaining other offers. A complete pack reaching nine banks on day one is the single biggest thing standing between you and keys in your hand.
Prototype. Documents, extraction, timings and lender requirements are simulated. Which documents each lender needs, and how recent they must be, must be confirmed with each institution before anything is built on this.