Household Budget Stress Review
For buyers who know the likely repayment but need to understand how rates, levies, insurance and ordinary life changes affect the remaining margin.
Independent mortgage application review · South Africa
Know what your bond application can carry.
We examine income, recurring commitments, living costs and lender-facing documents before you apply—then explain the affordable range and the pressure points in plain language.
Request an affordability assessmentWritten review delivered in 3–5 working days. No lender affiliation.
The core assessment
A sober view before the bank’s answer
Our flagship Mortgage Affordability File Audit compares verified net income with instalments, household costs, dependants, credit commitments, deposit funds and likely ownership expenses. You receive a written range, not a promise of approval.
See what the audit includes →01
Documents considered together
Payslips, bank statements, credit commitments and purchase assumptions are read as one household picture.
02Questions answered by a person
Your reviewer discusses unusual income, shared expenses or changes that a calculator cannot place in context.
Ways we can help
Choose the review that matches your next decision.
Mortgage Affordability File Audit
For buyers who want an independent, documented view of a sustainable bond range before a lender or bond originator receives the file.
Pre-Application Document Check
A practical completeness review for applicants who already understand their budget but want a cleaner, more coherent supporting file.
“The review did not tell us simply to borrow less. It showed which commitments were squeezing the monthly margin and gave us sensible questions for the bond originator.”
— Nandi and Sipho M., first-home buyers in Cape Town
Read client stories →Before you submit
Bring the whole household picture into focus.
Tell us where you are in the buying process. We reply within one business day with the right assessment scope and the documents to prepare.
Discuss your application