Answers for every step of your home loan journey
We gathered the questions clients ask most often — from preparing documents to understanding the final grant. Explore the topics below or reach out and we will walk you through the next actions personally.
Independent advice
We compare offers across the market and recommend the structure that fits you best.
Streamlined paperwork
Our team packages the full application and resolves questions before they slow you down.
Confident approvals
Accountant-led insights help us negotiate compelling rates and conditions with lenders.
Explore frequent questions
Choose a section that matches where you are in the process. Each answer includes the practical steps we take with you so you know what to expect.
Before you apply
Understand what we need to start and how we evaluate affordability.
What documents should I prepare?+
We typically need your latest three months of payslips, bank statements, a copy of your ID, and proof of residence. If you are self-employed, recent financial statements and management accounts help us tailor the submission.
Do you work with pre-approvals?+
Yes. We can secure a pre-qualification range within 24-48 hours so you search with confidence and understand the cost implications upfront.
What does it cost to use Audax?+
There are no fees charged to clients. Banks compensate us once your bond is registered, keeping our advice independent and aligned with your outcome.
During the application
See how we coordinate lenders, timelines, and negotiations.
How many banks do you approach?+
We benchmark multiple lenders that match your profile. This includes the big five South African banks and specialised lenders when relevant to deliver the best rate and product fit.
Can you help if my application was declined elsewhere?+
Absolutely. We reassess the structure, identify gaps in the original submission, and resubmit with supporting commentary to improve the bank's comfort.
How long does the process take?+
Once all documentation is in, initial approvals usually arrive within 5-7 working days. We keep you updated after every lender touchpoint.
After approval
Know what happens post-offer and how we stay involved.
Do you review the final grant letter?+
Yes. We unpack the conditions, compare the offered rate to the market, and highlight any clauses that need attention before you sign.
What if I want to negotiate the rate further?+
We run counter-offers with competing banks and present affordability insights that strengthen your position. Many clients see a rate improvement at this stage.
Do you stay involved until registration?+
We liaise with the bank and transfer attorneys, align timelines, and make sure you know which documents to sign and when. You are supported through to handover.
Still exploring your options?
Send us a quick brief about your goals and we will map out the steps, documents, and lender comparisons you can expect.