Frequently Asked Questions

This information is used by your Just Finance consultant to contact you to complete the application over the phone or to set up an appointment with you. Your application will be submitted to the Bank/s only once we have all the required information and documentation.

Is it safe to give so much personal information to Just Finance?

Just Finance will treat all your information as confidential; we have to keep all documentation filed securely for five years after your application.

How will I benefit from using Just Finance?

Just Finance consultants have been hand-picked from the banking and property industries and they receive ongoing training from the banks, giving them a good understanding of what the bank looks for in your application, and what products are suited to your needs. They will negotiate the best possible deal on your behalf. Your Just Finance consultant will make your application process as easy as possible for you, keeping you informed along the way. Just Finance use state-of-the-art technology that is directly linked to the banks, so your bond is captured in our offices and submitted directly into the banks’ systems electronically, so no documentation can get lost!

How much will it cost me to use Just Finance?

Nothing! Just Finance is contracted directly to the banks who pay us a commission to secure your business on their behalf. Just Finance do not charge consumers for our service.

How do I know how much I qualify for?

A Just Finance consultant will calculate your affordability for you from your net disposable income, or use our bond calculators available on this website. The NCA (National Credit Act) has been implemented; financial institutions have to ensure that you can afford the monthly repayment of any credit that you apply for.

Why will a bank turn down my loan application?

Should the bank not find value in the property, if the bank has too high an exposure in the area or complex you are purchasing, if you cannot afford the repayments or you have a low credit rating. Your Just Finance consultant will ensure that the bank has all the relevant information to give you the highest possible credit rating.

Can Just Finance negotiate better interest rates than other mortgage originators?

Your Just Finance consultant will use their expertise to your best advantage, but the interest rate that the bank grants you will depend entirely upon your information and credit status.

Which banks is Just Finance contracted to?

Just Finance is contracted to ABSA, FNB, Nedbank, Standard Bank, Old Mutual as well as other leading South African Financial Institutions.

If I am unhappy with the service I received from Just Finance, who can I speak to?

Please speak to your Just Finance Branch owner or manager immediately.