Get In Touch

Get In Touch

We save our clients on average R5000 per month.

Chat to our 24-hour assistant to see how we can help you today.

Chat with our 24-hour assistant

Chat with our 24-hour assistant

Bond Optimiser Process

Get assessed

It starts with a quick & free financial assessment

The power of negotiation

We negotiate with your creditors on your behalf.

1 monthly payment

We settle your Debts and Restructure them all into single monthly payments.

Learn with Edvance

Live better and save smarter with our Learning Modules. You receive 1500 rand for every SUCCESSFUL module you do.

Your credit score improves

Live better and save smarter with our Learning Modules.

We save our clients on average R5000 per month.

Chat to our 24-hour assistant to see how we can help you today.

We help government employees who own a property to get out of the Debt Trap

Our Bond Optimiser is one the best ways to lower your debt repayments and save money.

What is the problem?

The system has failed Public Servants and Government Employees. The idea of taking short term loans that are often unsecured has been sold by institutions for so long that this advice has become the norm. A norm that makes money for the institution because of the high-interest they can charge on unsecured loans. High interest loans often become impossible to continue paying as life becomes more and more expensive, causing many people to miss payments over time, which results in a lower credit score.

Because your credit score drops, you become stuck in paying high interest loans with no escape. This is an emotional and financial death trap.

Our solution for you

Our solution is Bond Optimiser. Using your existing bond to consolidate expensive debt has been used for years by the financially-savvy. Debt-to-bond always means you pay less and have more cash in your pocket every month.

Government employees are on a defined benefit pension fund which means the longer you work, the more your pension fund value grows, it almost doubles every five years. So, even though increasing your bond may seem scary, it can actually work in your favour. 

  • You will have extra cash every month
  • You will have less emotional and financial stress
  • You will work at a more relaxed pace, knowing that the growth in your pension fund over time will more than compensate for your increased bond.

Bond optimiser gives you so much more. Let us walk through this journey with you. Contact us.

Africa Direct, a South African Company focused on addressing the financial needs of Government Employees and Public Servants through the consolidation of high interest loans into significant positive home loan equity.

Bond Optimiser Client Testimonals


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0861 91 91 91

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