Your home loan,
submitted to every major SA bank.
Free. Fast. Confidential. A virtual agent guides you through a short call, figures out exactly what you need, and sends your application to ABSA, FNB, Standard Bank, Nedbank and SA Home Loans — instantly.
- No cost to you
- Minutes, not weeks
- POPIA-compliant & confidential
Four steps from first call to signed offer.
You never fill in a 30-page form. Our virtual agent does the heavy lifting, and a human advisor stays on standby.
- STEP 01
A short call with our virtual agent
We book a quick call to understand your situation and answer every question you have about the home loan process — no jargon.
- STEP 02
We set up your document checklist
Based on your unique circumstances, we build a personalised list of documents and set up your secure profile to collect them.
- STEP 03
One-click submission to every major bank
Once your file is complete, we instantly submit to ABSA, FNB, Standard Bank, Nedbank and SA Home Loans — no repeat forms.
- STEP 04
Compare offers in your dashboard
As offers come in, they land in your Knoq dashboard side-by-side. Pick the best rate and we help you finalise.
Completely free
You never pay us a cent. The winning bank pays a standard origination fee — same as every SA bond originator.
Fast by design
A virtual agent + smart automation means what used to take weeks of forms and phone calls now takes minutes.
Confidential & POPIA-compliant
Your documents and ID are encrypted, access-controlled and never shared beyond the banks you approve.
See what your monthly repayment could be.
Live figures in ZAR, based on today's indicative SA prime rate. No sign-up required.
- ABSA11.75%
- FNB11.75%
- Standard Bank11.75%
- Nedbank11.75%
- SA Home Loans11.50%
Estimates only. Actual repayments depend on the rate offered by each bank.
Ready to find out what you qualify for?
Book a 10-minute call with our virtual agent. We'll take it from there and come back with real offers from South Africa's major banks.