What is a bond originator?


Why use Qbond and not another bond originator?
What do I have to pay Qbond for their services?
Why does Qbond pay my bond registration fees on my behalf?
What is included with the bond registration fees?
What bond fees remain my responsibility?
What costs are involved in purchasing a property?
Can I make use of my own attorney for the bond registration?
Can I get discount on the attorney fees for lodging the transfer in the Deeds Office if I make
use of Qbond?
Do I need to take out a mortgage assurance policy if I take out a bond through Qbond?
Will I be guaranteed to get prime less 2% interest if I take out a bond through Qbond?
What financial institutions are backing Qbond?
I do not want to buy a property in my own name, but rather in a separate entity.
Can I still make use of Qbond?
I want to build a house. Can Qbond assist with building loans as well?
I want to buy a farm. Can I still make use of Qbond?
I want to buy a commercial property. Can I still make use of Qbond in the process?
I do not have a clean credit record. Can I still apply for a bond through Qbond?
Can I make use of Qbond irrespective of where I live?
I want to increase my bond facility. Can Qbond help me?
I want to transfer my home loan account to another financial institution. Can Qbond help me?
I have heard that different banks may pay different levels of commission to bond originators.
How do I know that Qbond will not just promote the bank that pays the highest commission?
I want to buy property but the estate agent/developer wants to force me to make use of a
specific bond originator that does not pay the bond registration fees on my behalf. What can
I do?
I want to apply for a bond using Qbond. What are the steps?
How long will the complete home loan application process take?
When will I hear from Qbond after I submitted my one minute online application form?


 
 

What is a bond originator?  
 

A bond originator is a person/company that applies for a bond (home loan) on your behalf. They give bond advice, do the paperwork, go to the various banks or financial institutions on your behalf and negotiate the best home loan terms for you.

 
     
  What difference would there be if I arrange my own financing through my bank?  
 


You will have to approach the bank(s) on your own and do the paperwork yourself. You are unlikely to negotiate the same deal as through a bond originator who places bulk business. You will have to pay the bond registration fees out of your own pocket, which would not be the case if you were to make use of Qbond.

 
     
  Why use Qbond and not another bond originator?  
 

Bond originators have been around for many years without offering the client anything more than just convenience and good service. Qbond was the first bond originator to break out of this mould by adding real value and give something back to clients by paying their bond registration fees. We are also authorised by the Financial Services Board as a registered financial advisor. Few other bond originators, if any, are registered financial advisors.

 
     
 

What do I have to pay Qbond for their services?  
  Nothing. Not only does Qbond facilitate the bond application process for free, we also pay your bond registration fees just for doing business with us. The bank pays Qbond commission for placing business with them. This commission comes out of the bank's own pocket and is not taken from your home loan in any way.  
     
  Why does Qbond pay my bond registration fees on my behalf?  
 

Just to say thank you for your business. Banks pay us commission to place business with them and we share this with our clients.

 
     
  What is included with the bond registration fees?