Bond Optimiser
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Unlock
your
home's
value.
Unlock your home’s value.
We help you unlock the full potential of your home’s equity and offer tailored financial solutions even when traditional lenders say no. Whether you need to consolidate overwhelming debt, refinance your mortgage, or access funds before retirement, we specialise in providing flexible options that fit your unique needs.
We help you unlock the full potential of your home’s equity Help and offer tailored financial solutions even when traditional lenders say, "No." Whether you need to consolidate overwhelming debt, refinance your mortgage, or access funds before retirement, we'll find the option that fits your unique needs.
Unlock your home’s value.
Optimise your life.
  • Regain control of your finances
  • Move forward with confidence
  • Leverage the equity in your home
Chat to a specialist today. 
Optimise your life.
By leveraging the equity in your home, we help you regain control of your finances and move forward with confidence. We offer three specialised products tailored to meet your unique needs.
Unlock your home’s value.
Bond Optimiser
DebtCon
Debt consolidation that optimises your debt repayments
Even if you have a low credit score or are in debt review, we provide solutions when other financial institutions turn you away.
Consolidate multiple debts into one manageable payment, reducing the stress of juggling numerous high-interest accounts.
Improve your monthly cash flow with interest-only repayments for the first 24 months, giving you time to regain financial stability.
T&C's apply.
After 24 months, transition to a lower interest rate mortgage with Bond Optimiser Mortgage, further reducing your monthly payments.
Bond Optimiser
Mortgage
Optimise your mortgage and unlock your home’s potential.
Even with minimal equity, we provide flexible mortgage options to help you secure your first home.
Benefit from competitive interest rates that can help reduce your monthly mortgage payments and save you money over time.
For those already holding a mortgage, we offer refinancing options that allow you to optimise your terms and access a loan facility backed by your equity.
Access cash for personal projects, home improvements, or emergencies by leveraging the equity you’ve built in your property.
Unlock your home’s value.
Unlock your home’s value.
Bond Optimiser
Pension
Optimise your pension and enjoy financial freedom before retirement.
Unlock the value in your home’s equity now, giving you the financial freedom to cover immediate needs before you retire.
Repayments are structured around your pension benefits, ensuring financial security without putting strain on your current cash flow.
Tailored specifically for individuals that are 57+ years of age, who have contributed to a pension over their career.
Even if traditional lenders hesitate due to your age or credit score, Bond Optimiser Pension provides a flexible and accessible option.
Bond Optimiser
Debtcon
Optimise your debt and take control of your finances.
Even if you have a low credit score or are in debt review, we provide solutions when other financial institutions turn you away.
Consolidate multiple debts into one manageable payment, reducing the stress of juggling numerous high-interest accounts.
Improve your monthly cash flow with interest-only repayments for the first 24 months, giving you time to regain financial stability.
After 24 months, transition to a lower interest rate mortgage with Bond Optimiser Mortgage, further reducing your monthly payments.
Bond Optimiser
Mortgage
Optimise your mortgage and unlock your home’s potential.
Access cash for personal projects, home improvements, or emergencies by leveraging the equity you’ve built in your property.
Even with minimal equity, we provide flexible mortgage options to help you secure your first home.
Benefit from competitive interest rates that can help reduce your monthly mortgage payments and save you money over time.
For those already holding a mortgage, we offer refinancing options that allow you to optimise your terms and access a loan facility backed by your equity.
Bond Optimiser
Pension
Optimise your pension and enjoy financial freedom before retirement.
Unlock the value in your home’s equity now, giving you the financial freedom to cover immediate needs before you retire.
Repayments are structured around your pension benefits, ensuring financial security without putting strain on your current cash flow.
Tailored specifically for individuals that are 57+ years of age, who have contributed to a pension over their career.
Even if traditional lenders hesitate due to your age or credit score, Bond Optimiser Pension provides a flexible and accessible option.
Our products help our clients move forward.
Debt Consolidation Made Simple

Clients can consolidate multiple high-interest debts into one manageable payment, helping them reduce monthly expenses and simplify their financial management.

Improved Cash Flow

With interest-only payments for the first 24 months under Bond Optimiser DebtCorrect, clients benefit from reduced monthly repayments, providing immediate relief to improve their financial situation.

Unlock Home Equity for Financial Flexibility

Whether clients need to refinance a mortgage, fund home improvements, or access cash for personal needs, Bond Optimiser helps them unlock the value of their home equity for greater financial flexibility.

Access to Financing When Others Say No

Bond Optimiser specialises in assisting clients with low credit scores, judgments, or those in debt review, offering financial solutions when traditional lenders won’t.

About us
We see the potential for economic growth, because we see the potential of each individual.
Bond Optimiser is part of Africa Direct.

Africa Direct is an established independent financial service provider, with over 20 years in the financial services sector. Through strategic financial planning, investment guidance, and wealth management services, we empower our clients to build and preserve their assets for future generations.
Key Benefits
About us
We see the potential for economic growth, because we see the potential of each individual.
Bond Optimiser is part of Africa Direct.

Africa Direct is an established independent financial service provider, with over 20 years in the financial services sector. Through strategic financial planning, investment guidance, and wealth management services, we empower our clients to build and preserve their assets for future generations.
We move, together.
Our client's stories are our stories. When they succeed, we succeed.
Frequently Asked Questions
Yes, you can! Bond Optimiser specialises in helping individuals who may have low credit scores, are in arrears, or have financial judgments. We take a more holistic approach, focusing on your property’s value and your specific financial situation rather than just your credit score.
Bond Optimiser helps you make the most of your home’s equity through tailored financial products. Whether you need debt consolidation, mortgage refinancing, or access to pension-based financing, we provide solutions designed to meet your unique needs—even if traditional lenders won’t.
Bond Optimiser Debtcon consolidates your debts (such as credit cards, personal loans, and retail accounts) into one manageable payment using your home’s equity. Bond Optimiser Mortgage allows you to refinance your mortgage, giving you access to cash from your home’s value, which you can use for personal projects or emergencies.
Apply now
We see the potential for economic growth.
Because we see the potential of each individual.
together.
We're here to move alongside you and provide you with innovative financial products that speak to a 360° view of your finances. 

When you move forward, we also move forward.
Terms & conditions apply.
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