Effective Debt Restructuring for Government & Public Sector Employees

NCR Approved. NCRCP No. 8048.

  0861 91 91 91

Our Investors

At Edubond we have a vision to provide our Government Employees that are burdened with high interest debt a positive solution that restores dignity and wealth.

It is a fact that many are over indebted , however our empirical investigations show that one of the root causes for this has been due to misguidance and naivety.

We at Edubond believe that the restoration of wealth and the teaching of wisdom can go a long way to healing our nation and its economy. The testimonials below of Thobeka and Robert speak clearly to the need for intervention that is boundried, fair and rewarding.

Africa Direct Edubond (“Edubond”) is a South African company focused on addressing the over-indebtedness of Government employees through the consolidation of unsecured credit against positive home loan equity.

“Edubond provides Government employees with a unique debt structuring model that alleviates the financial burden of paying high interest rates that are crippling to the self-worth of the individual and the family.”

Investor Testimonials

“As a significant investor in Edubond I am proud to be associated with a company that is providing me secure and above market returns. I also find it rewarding that Edubond is making a significant social and economic impact in the lives of others.”

Nick Badminton, Investor

“We are delighted to be getting well above average returns over the past years which have made a huge difference. I am happy to recommend the secured Edubond investment bonds.”

Allan Faye, Investor

“I want to thank Edubond for the positive returns over the past years. My investment portfolio has been significantly enhanced and I can recommend this investment to investors looking for secure constant returns that can also provide monthly income.”

Faried Hendricks, Investor and Director, MRH Group

“I am extremely happy with the returns achieved through the Edubond government employee bonds. My secured investment is providing me returns that are out-performing the market and inflation.”

Mark Jackson, Investor

“As an international investor I am happy to be associated with the investment philosophy and performance of the Africa Direct Alternative Investment Bonds. The secured annual positive returns givemy international portfolio a balanced consistency that make up for the fluctuation trends in the global markets.”

Pim De Lijster, Investor, The Netherlands

“I am happy with the decision to invest in the secured alternative investment. The returns have been consistently above market average.”

Dr Wayne May, Investor and Endocrinologist

We would like to thank our investors who have made this vision that promotes economic restoration and the healing of self worth for others a reality.

We believe that we have also been able to provide you as our investors a significant positive return on your investment with us. Over the past few years your consistent returns have outperformed the average market that is constantly been challenged by so many unexpected global and local uncertainties.

Returns that outperform prime.

The information contained in this document does not constitute advice by Africa Direct Edubond. Whilst every attempt has been made to ensure the accuracy of the returns ,investors are cautioned to check accuracy for themselves. Past performance does also not guarantee similiar future performance.

Dear Investor

We are privileged to be able to provide an alternative investment option for those seeking higher yields with underlying capital security.

At Africa Direct we have been providing our investors with above market returns while at the same time securing the capital through underlying registered bonds.

The current economic outlook in SA seems grim, and in my opinion the global markets seem no better, with the ongoing concerns of Brexit, trade wars with China and the USA, and many other issues facing the EU and the world around us impacting on investment
sentiment and returns.

The Africa Direct secured Government Employee Debt Structure continues to provide investors with secured annualised positive returns that aim to outperform money market and other income yielding investments.

I have provided a quick snapshot of our performance as opposed to a few other funds.

Yours sincerely,


Lee Pluke

What We Do

More than 50,000 South African Government employees are estimated to be home owners with unsustainably high levels of unsecured loans and positiveequity in their home loans.

With over six years of Group track record in the Government sector, Edubond assists Government employees by consolidating borrowings into a single mortgage-backed facility.

Over 12-18 months, borrowers are rehabilitated through Edvance, Edubond’s in house foundational financial literacy program. Clients are then switched out to traditional mortgage lenders.

The result is lower unsecured borrowings and debt service costs, improved credit scores and economic empowerment for Government employees.

How do we compare?

Africa Direct has provided investors strong returns over the past 5 years.

Client Testimonials

Funding Education

Our investor support has also enabled Edubond to provide Tertiary education funding to the children of government employees making dreams a reality.

“Dear Edubond, I want to thank you for helping us pay our debts and my daughter’s varsity money. When we saw darkness you brought light into our lives. Without you nothing would be the same. You are absolutely amazing.”

Judy Sheldon

“I want to thank Edubond for helping us pay for my son’s tertiary education and schooling. The unique finance option has also sorted out all our debt issues bringing our family a new sense of joy and hope.”

Bruce Asia

“Heil die leser. Hiermee wil ek baie dankie se aan die span by EDUBOND. Baie dankie dat julle my gehelp het met my seun se registrasie geld. Julle is voorwaar puik en baie behulpsaam. Dit word hoogs waardeer. Baie dankie weereens.”

Jennifer Gelderbloem

Highlights include:

  • Over 100 bonds originated to date.
  • Average LTV of existing book of 58%;
  • No non-performing bonds or missed payments from any borrower since inception;
  • Robust loan pipeline developed off the back of a proven reputation amongst Government employees.

Investors can expect:

  • Returns of 12.5% per annum (subject to final deal terms);
  • Strong management team with track record in providing financial services products to over 16 000 clients.

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Disclaimer:Investors should be aware of the fact that there are risks involved in buying or selling any financial product. Past performance of a financial product is not necessarily indicative of future performance. The value of financial products can increase as well as decrease over time, depending on the value of the underlying securities and market conditions. Illustrations, forecasts or hypothetical data are not guaranteed and are provided for illustrative purposes only. This document does not constitute solicitation, invitation or investment recommendation. Prior to selecting a financial product, it is recommended that investors seek specialised financial, legal and tax advice.

Our Partners

Call us. 0861 91 91 91.

Client Story - Robert van der Esterhuizen

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