The Financial Intelligence Centre Act (FICA) requires every bank and bond originator in South Africa to verify who you are and where your income comes from before a home loan application can be submitted. Below is the exact document checklist we work from, by applicant type.
If you derive your income from your own business, this is the document set banks and Mackenzie Bonds will need.
Where the property will be registered in the name of a Trust, CC or Pty rather than an individual, additional documentation is required for the entity itself.
We can accept bank statements emailed or posted to us — they do not need to be bank-stamped. If you're unable to provide any item on this list, please get in touch so we can discuss alternatives with you.
Once you've gathered what applies to you, a consultant will confirm your file is complete before we submit to the banks.