Written by on 12 October, 2023




SA Home Loans Bond Smarter Competition

Home is where the heart is and the dream for all of us is to own a home for ourselves and our families. Buying a house is a big investment – so it is natural that you might have a lot of questions about the process and if it’s something that you’re ready for.

During these trying times, managing home finances and securing homeownership is key for anyone who is part of a household, engaged in transactions with financial institutions, owns a home or planning to own a home. One of the tools available to curb the risks we find ourselves exposed to is to be equipped with relevant information.

SA Home Loans has been in operation for 23 years and is South Africa’s only home loan specialist – with  consultants that are experts in home finance. So, we have the financial sector expertise and experience to guide about home finance.

The intention of the competition is to empower consumers with financial knowledge so they can make better informed financial decisions.

All participants, by entering the competition, agree to be bound by the following terms and conditions.

The Promoter of this competition is Gagasi FM (“the Promoter”) on behalf of SA Home Loans.


  1. The competition commences on the 16 October 2023 – 20 October 2023. After this date no further entries to the competition will be permitted.


  1. The competition is open to permanent residents and citizens of South Africa over the age of 18 years in possession of a valid South African Identity Document.


  1. The competition is not open to:
  2. Directors, members, partners, agents, employees or consultants of SA Home Loans and/ or any of their associated or affiliated companies and/ or agencies or any supplier of goods or services in connection with a competition; and
  3. the spouse, life partner, business partner or associate, or the natural or adopted parent, child or sibling, of any person specified in the above.
  4. You are not able to participate in or be eligible to win a competition if you have won a competition on Gagasi FM within the past three months. You will be eligible to participate in a competition after the expiry of three months calculated from the date at which you had won a competition on Gagasi FM.


  1. Listeners will be directed to the Gagasi FM competition page to access and download the content brochure to read up on the topicfor the day through on-now promos daily.
  2. The listeners are required to fill out the entry form and submit it so they can be considered for participation.
  3. The Gagasi FM team will call one listener to participate live on-air.
  4. Every day from Monday to Friday between 16 October 2023 20 October 2023 on Gagasi Drive between 15h00 – 18h00 show, one listener will be asked 5 questions based on information provided on the website about finance topic of the day.
  5. The caller will be given 1 minute to answer up to 5 questions based on topic of the day and for each correct answer, the listener wins R1000.


  1. Only one entry will be accepted per person. Multiple entries from the same person will be disqualified.


  1. Prizes are not transferable, nor are they refundable, or exchangeable.


  1. Winners will also be contacted telephonically by the station (and NOT SA Home Loans), after they have been on air.
  2. Any winner/s not following the procedure of submitting their ID document and proof of bank account (in order to validate their details as a selected winner) within 3 months from the date of being selected and notified as a winner, shall forfeit their prize winnings. The money will be deposited by Gagasi FM within 30 days from the last day of the competition.



  1. If you fail or, if your partner (if applicable) fails, to comply with any of the terms and conditions, then without prejudice to any other remedy which SA Home Loans may have, you will be automatically disqualified, and you will forfeit the prize/s (if you have already won a prize).


  1. Your entry into the competition and/or your acceptance of a prize (if you win a prize) constitutes your binding acceptance of the terms and conditions on behalf of yourself and any person with whom you may share a prize (if you win a prize which is for you and one or more additional persons (“your partner”).
  2. If you use a mobile phone for entry into the competition, the telephone calls / text messages/ data usage will be charged at the prevailing rates, which may vary from time to time. “Free” minutes under a cell-phone contract do not apply.
  3. It is your responsibility to ensure that your entry is received by the station prior to the closure of the competition. Any entries which are not received by the station prior to the closure of the competition will not be eligible to participate, regardless of the reason for the late entry. We and our affiliates are not responsible for any entries which are not received by us, whether timeously or at all, regardless of the cause thereof. Without limitation, we and our affiliates are not responsible for any problems or technical malfunction of any telephone network or lines, computer on-line systems, servers, or providers, computer hardware or software failure or malfunction, traffic congestion (whether physical, or on the Internet, telephone lines or at any service provider, web site or other device or medium), or any combination thereof, or any other technical or other problems.
  4. Gagasi FM and its affiliates are not responsible for any injury or damage to your or any other person’s computer, mobile telephone or other device used by you to enter, or obtain any materials related to, the competition.
  5. It is your responsibility to ensure that any information which you provide to Gagasi FM is accurate, complete, and up to date. Should any of the data provided by yourself in connection with this competition prove to be invalid, inaccurate, and false or misleading, your entry shall be disregarded, and you shall be prohibited from entering any further Capricorn FM competitions for a set period to be determined by Gagasi FM.
  6. Gagasi FM does not make any representations or give any warranties, whether expressly or implicitly, that –
  7. Your entry or participation in the competition will not necessarily result in you winning a prize;
  8. A prize, or any aspect thereof, will meet your, or, if applicable, your partner’s, requirements, preferences, standards or expectations; or
  9. A prize, or any aspect thereof, will be satisfactory, punctual, free from defects, safe or reliable.
  10. Gagasi FM and suppliers, as the case may be, reserve the right to vary, postpone, suspend, or cancel the competition and any prizes, or any aspect thereof, without notice at any time, for any reason which we deem necessary. In the event of such variation, postponement, suspension or cancellation, you agree to waive any rights, interests and expectations that you may have in terms of this competition and acknowledge that you will have no recourse against us, our affiliates and third-party suppliers.
  11. You agree that your participation in the competition, and your acceptance and/or use of a prize, or any aspect thereof, is at your own risk.
  12. Gagasi FM and our affiliates will not be responsible, and disclaim all liability, for any loss, liability, injury, expense or damage (whether direct, indirect, incidental, punitive or consequential) of any nature, whether arising from negligence or any other cause, which is suffered by your participation in the competition or the acceptance and/or use by you, or your partner (if applicable), of any prize, or by any action taken by us or any of our affiliates in accordance with the terms and conditions.
  13. You, and in the event of your death, your family, dependents, heirs, assignees or any other beneficiaries of your estate, indemnify and hold us and our affiliates harmless against any claim by you, or your partner (if applicable), (whether direct, indirect, incidental, punitive or consequential) of any nature, whether arising from negligence or any other cause, relating to any injury, loss, liability, expense and/or damage which you may suffer, howsoever arising, in relation to your entry into this competition and/or acceptance and/or use by you of a prize.
  14. You acknowledge that the acceptance and use of a prize is subject to the proviso that –
  15. All of the terms and conditions will apply to both you and your partner (if applicable), and you will ensure that your partner agrees to be bound and complies, and will continue to comply, therewith;
  16. You will take full responsibility for your partner;
  17. You indemnify and hold us and our affiliates harmless against any claim by your partner or any third party in the event that your partner suffers any loss or damage pursuant to your partner’s acceptance and/or use of a prize;
  18. Any minor will be accompanied by a parent or legal guardian.
  19. By entering the competition, you consent to the processing and retention of your personal information for purposes of your participation in the competition including marketing purposes in accordance with applicable laws. SA Home Loans and Gagasi FM will take all reasonable security measures used in relation to their business to protect any unlawful processing of your personal information.  Your personal information will only be retained in accordance with the provisions of the Protection of Personal Information.
  20. For purposes hereof, “affiliate” means SA Home Loans’ partners, co-promoters and sponsors of this competition, our subsidiaries, our and their subsidiaries and respective holding companies, the subsidiaries of their holding companies, and our and their directors, officers, employees, agents and representatives.
  21. These terms and conditions will be construed, interpreted and enforced in accordance with the laws of contract and dispute resolution in the Republic of South Africa
  22. Gagasi FM and the judges’ decision on any matter concerning the competition and/or arising out of these terms and conditions is final and binding on you, and no correspondence will be entered into.



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