Welcome to Reality Fund!

We provide mortgage finance to enable you to consolidate expensive debt and help ease the strain of your monthly financial ­obligations.

Enquire about our new  Facility!

With our 1BOND facility, you won’t have to take out a personal loan to cover
those surprise expenses and to settle your debt.

Welcome to Reality Fund!

We provide mortgage finance to enable you to consolidate expensive debt and help ease the strain of your monthly financial ­obligations.

Enquire about our new 1BOND Facility!

With our 1BOND facility, you won’t have to take out a personal loan to cover those surprise expenses and to settle your debt.

What is a bond consolidation loan?

A bond consolidation loan is a loan taken out to pay off several other smaller loans.
A reason to consolidate smaller loans into one larger loan is:

Reduce your monthly debt re-payment and hence improve your monthly cash flow.
Secure a lower overall average interest rate.
Replacing high-interest short term debt with a lower interest rate loan which also usually has a longer-term.

If you own property, you can apply for additional funds on your existing bond; of course, that’s as long as there is positive equity in the property (i.e. the value of the property exceeds the current outstanding loan amount). Bond consolidation also allows you to make a ‘clean start’ by converting your various existing commitments into a single, manageable monthly loan payment. This also saves on multiple fees, service charges and debit order charges on the multiple loans.

Let us assist you to clear your name and improve your credit score!

Couple Signing documents

Let us assist you to clear your name and improve your credit score!

Facilities

With our 1BOND facility, you won’t have to take out a personal loan to cover those surprise expenses and to settle your debt.

There are many benefits with our 

  • A home loan enables you to access credit at significantly lower rates than other forms of credit, such as personal loans. This allows you a very favourable way of financing otherwise expensive debt, such as money for education fees, emergency purchases and debt reconciliation.
  • Renovations or improvements you make to your home with the funds from your 1BOND will ultimately add to the value of your home.
  • It is much simpler and less costly than registering a further advance or second bond.

Homeowner bond

consolidation loans

– Use your home to pay off bills.

 

If you’re a homeowner who has accumulated large debt on your credit cards, medical bills, payday loans, store cards, you can get relief through a homeowner bond consolidation loan. This option enables you to take out a much cheaper secured loan or mortgage with your home as the security for the debt.

Couple with home keys

Homeowner bond

consolidation loans

– Use your home to pay off bills.

 

If you’re a homeowner who has accumulated large debt on your credit cards, medical bills, payday loans, store cards, you can get relief through a homeowner bond consolidation loan. This option enables you to take out a much cheaper secured loan or mortgage with your home as the security for the debt.

How Homeowner Bond Consolidation Loans Help You

  • You can consolidate high interest, unsecured bills with a much lower rate bond
  • You can reduce your monthly payments and pay off bills with ease
  • You can avoid late fees and over-limit charges on credit card bills
  • Improve your credit score

Imagine your car loan, credit card debt and medical bills all disappearing into a single, more manageable monthly payment with far lower interest!

Why Should I Consider Bond Consolidation?

  • Reduce your monthly payments
  • Simplify your finances
  • Reduce the interest you are paying on other types of debt
  • Improve your credit score
  • Repair your credit rating
Homeowners don’t sell consolidate!
How it works:

PHASE 1:

We do the financial assessment

PHASE 2:

Profile pre-approval

PHASE 3:

Obtain final settlement letters for all debt

PHASE 4:

  • Register a new Bond
  • Switch current Bond

PHASE 1:

We do the financial assessment

PHASE 2:

Profile pre-approval

PHASE 3:

Obtain final settlement letters for all debt

PHASE 4:

  • Register a new Bond
  • Switch current Bond

PHASE 7:

We will assist you to switch to the bank with the best interest rate

PHASE 6:

  • Manage financial status
  • Improve your credit score

PHASE 5:

  • Settle all debt
  • Remove all adverse and judgements
  • Remove from debt review

PHASE 5:

  • Settle all debt
  • Remove all adverse and judgements
  • Remove from debt review

PHASE 7:

We will assist you to switch to the bank with the best interest rate

PHASE 6:

  • Manage financial status
  • Improve your credit score

PHASE 1:

We do the financial assessment

PHASE 2:

Profile pre-approval

PHASE 3:

Obtain final settlement letters for all debt

PHASE 4:

  • Register a new Bond
  • Switch current Bond

PHASE 5:

  • Settle all debt
  • Remove all adverse and judgements
  • Remove from debt review

PHASE 6:

  • Manage financial status
  • Improve your credit score

PHASE 7:

We will assist you to switch to the bank with the best interest rate

Frequently Ask Questions (FAQs)

1. Is this debt review?
a. No not at all we help our clients to get rid of debt review and remove any other negative defaults from their name.
2. Do you then own my property?
a. No, the property remains in you name, your bond is just with us as security.
3. How long does it take before the transaction registers?
a. After LODGEMENT it takes between 7 and 21 days.
Pregnant couple

Frequently Ask Questions (FAQs)

1. Is this debt review?
a. No not at all we help our clients to get rid of debt review and remove any other negative defaults from their name.
2. Do you then own my property?
a. No, the property remains in you name, your bond is just with us as security.
3. How long does it take before the transaction registers?
a. After LODGEMENT it takes between 7 and 21 days.

Contact Us

We would like to hear from you

Tel: 012 942 5277
Email: info@realityfund.co.za