Bond Optimiser
DebtCon
Bond Optimiser
Debtcon
Consolidate your debt, regain control.
Unlock your home’s value.
Bond Optimiser Debtcon moves all your expensive debt into your cheapest form of funding:
Your Bond.
Key Benefits
Help When Traditional Lenders Won’t
Even if you have a low credit score or are in debt review, we provide solutions when other financial institutions turn you away.
Interest-Only Payments for 24 Months
Improve your monthly cash flow with interest-only repayments for the first 24 months, giving you time to regain financial stability.
Provides a Pathway Out of Debt Review
With improved cash flow and reduced debt obligations, clients have a better chance of exiting Debt Review.
Seamless Transition to a Lower-Rate Mortgage
After 24 months, transition to a lower interest rate mortgage with Bond Optimiser Mortgage, further reducing your payments.
Simplified Debt Management
Consolidate multiple debts into one manageable payment, reducing the stress of juggling several high-interest accounts.
We help you avoid Debt Review
Bond Optimiser Debtcon allows clients to regain financial stability without the legal and financial limitations that come with entering Debt Review.
See how much cash you can access:
The cash available to you comes from your property's equity. Equity is the difference between the amount you still owe on your home and the value of your home.
Home Equity Calculator
Frequently Asked Questions
Bond Optimiser Debtcon is a debt consolidation product that uses the equity in your property to settle multiple high-interest debts, such as credit cards and personal loans. This reduces your monthly debt repayments and improves your cash flow.
By consolidating all your unsecured debts into a single monthly payment and securing it against your property, Debtcon allows you to pay a lower overall interest rate, reduce your total monthly payments, and free up cash flow for other financial needs.
Debtcon consolidates high-interest debts such as credit cards, personal loans, retail accounts, and any other unsecured debts. It does not cover debts secured against other assets, such as car loans.
The Debtcon product is designed for homeowners who have sufficient equity in their property and multiple high-interest debts. It is especially useful for individuals with low credit scores or those struggling to make their monthly debt payments.
You will need a copy of your ID, proof of income, latest property valuation, and a list of your current debts, along with their settlement values.
Key Benefits
Client testimonials
Our client's stories are our stories. When they succeed, we succeed.
Back to Bond Optimiser Debtcon - LP
Frequently Asked Questions
Bond Optimiser Debtcon is a debt consolidation product that uses the equity in your property to settle multiple high-interest debts, such as credit cards and personal loans. This reduces your monthly debt repayments and improves your cash flow.
By consolidating all your unsecured debts into a single monthly payment and securing it against your property, Debtcon allows you to pay a lower overall interest rate, reduce your total monthly payments, and free up cash flow for other financial needs.
Debtcon consolidates high-interest debts such as credit cards, personal loans, retail accounts, and any other unsecured debts. It does not cover debts secured against other assets, such as car loans.
The Debtcon product is designed for homeowners who have sufficient equity in their property and multiple high-interest debts. It is especially useful for individuals with low credit scores or those struggling to make their monthly debt payments.
Missing a payment can impact your eligibility for the Edvance Cashback Programme and Rate Reducer Programme. It’s important to communicate with Bond Optimiser if you anticipate any issues with payment so that we can explore options to help you stay on track.
Yes, there may be an initial setup fee and an appraisal fee for assessing your property’s equity. These fees will be clearly outlined in the product agreement before you proceed.
The Debtcon program lasts for a maximum of 24 months, during which you are only required to make interest payments. After 24 months, you may switch to the Bond Optimiser Mortgage product or refinance with another lender.
The Edvance Cashback Programme rewards clients with R1000 each month for meeting four criteria: making mortgage payments on time, avoiding new loan applications, continuing to pay unconsolidated debts, and completing the Edvance monthly financial literacy modules.
The Edvance Rate Reducer Program rewards consistent positive financial behavior by reducing your mortgage interest rate by 1% for every 6 consecutive months of meeting Edvance Program criteria, up to 2% over 12 months.
Yes, if you meet the qualifying criteria, you may switch to the Bond Optimiser Mortgage product or refinance with another lender before the 24-month period ends.
in your property, we consolidate all your outstanding debts into one manageable monthly payment. During the 24-month duration of this product, you are only required to repay interest on the consolidated amount, improving your monthly cash flow.
You will need a copy of your ID, proof of income, latest property valuation, and a list of your current debts, along with their settlement values.
Apply now
Click below to apply for Bond Optimiser Debtcon and start your journey to financial freedom today!