EasyMortgages Referral Incentive

This programme allows you, as a property practitioner, to earn an incentive when you refer a buyer to EasyMortgages for their home loan.

Here's where it gets interesting: instead of receiving that incentive as cash, it's automatically invested into your EasyEquities Retirement Annuity (RA).

So rather than needing to set money aside manually (which can be tough with commission-based income), your deal flow quietly starts building long-term retirement wealth in the background.

To participate, you'll need to meet a few requirements:

• Be a legally registered estate agent or property practitioner in South Africa
• Hold a valid Fidelity Fund Certificate (issued by the PPRA)
• Have an active EasyEquities account
• Have an activated EasyEquities RA account

Once those are in place, you're eligible to register.

No - there is no cost to join or participate in the programme.

No - you continue to operate independently.

The programme simply adds an additional benefit layer to your existing work. It does not create any employment, partnership, or agency relationship.

Once registered, the process is simple:

• Submit your signed Offer to Purchase
• Include both your details and your buyer's details
• Send it to the EasyMortgages team at hello@easymortgages.co.za

From there, they take over the bond origination process and engage directly with your buyer.

The EasyMortgages platform (powered by MortgageMarket) handles the full home loan process with the banks. This includes:

• Submitting applications
• Engaging with lenders
• Managing the approval process

You don't need to take any further action unless requested.

No - bond approval is always at the discretion of the bank.

EasyMortgages facilitates the process and helps optimise outcomes, but final decisions rest with the lending institutions. EasyMortgages and EasyProperties are not liable for any bank's decision.

A referral is only considered successful when all of the following have happened:

1. A bond is successfully originated through EasyMortgages
2. The buyer accepts the bond
3. The property transaction is registered at the Deeds Office

Important:

• Offer acceptance alone is not enough
• Bond approval alone is not enough
• Registration is the final trigger

Only one incentive can be paid per transaction.

If there's overlap, EasyProperties' internal records will determine which referral qualifies.

You earn 0.25% of the registered mortgage bond value for each successful referral.

Because this is tied to the final bond value, your incentive scales with the size of the bond.

Incentives are typically paid:

• Within approximately two weeks after bond registration, and
• After EasyMortgages receives payment from the bank

This timing is indicative and may vary depending on processing timelines.

The incentive is:

• Paid directly into your EasyEquities RA account
• Not paid out as cash
• Confirmed via an email notification once processed

No - cash payouts are not part of this programme.

This is a deliberate design choice to convert transactional earnings into long-term invested value.

No. Incentives are:

• Personal to you
• Non-transferable
• Cannot be assigned or ceded to any third party

Because commission-based income is often irregular, making consistent retirement saving difficult.

This structure solves that by:

• Investing automatically at the point of earning
• Building long-term wealth in a disciplined way

It's a retirement annuity investment account that gives you more flexibility than many traditional RAs:

• Access to a wide range of investment options
• Flexibility to invest any amount
• Full visibility and control over your portfolio

Available investments include: Exchange Traded Funds (ETFs), SA Government Bonds, Unit Trusts, and Managed Bundles.

No - there are no compulsory monthly contributions.

Your RA is funded through:

• Referral incentives
• Optional additional contributions (if you choose to add more)

Yes - once the funds reflect in your RA, you decide how to allocate them across available investment options.

Your RA is subject to South African retirement fund legislation. Withdrawal rules are set by law and these rules apply to all RAs, not just this programme.

Yes - you're free to contribute additional funds to your RA at any time.

Investment decisions are your responsibility.

EasyProperties, EasyMortgages, and EasyEquities do not provide investment advice and do not guarantee returns.

Yes - incentives are considered:

• Gross income and/or
• A taxable benefit under South African tax law

You are responsible for meeting your tax obligations, including any income tax or retirement annuity contribution limit considerations.

Not automatically.

EasyProperties and EasyEquities make no representations about the tax treatment of your incentive. The tax treatment depends on your personal situation, so it's best to get independent tax advice before participating.

Yes - you can exit by giving 30 days' written notice.

• You stop earning new incentives
• Any incentives not yet accrued will lapse
• Any incentives already paid remain in your RA, unless linked to a breach

Your RA:

• Remains active
• Continues under standard EasyEquities terms
• Is still governed by retirement fund legislation

Yes - this may happen if terms and conditions are breached.

Any incentives already paid remain unaffected (unless linked to a breach).

Your information is handled in line with POPIA and used to:

• Administer the programme
• Process referrals
• Facilitate incentive payments

It may be shared with relevant partners (e.g. MortgageMarket, EasyEquities) where necessary.

When you submit a buyer's details:

• You act as an independent responsible party under POPIA
• You must have a lawful basis for sharing their information
• You must inform the buyer that their details will be shared for bond origination