Free to start. Premium to save more.
Check if you’re overpaying in 60 seconds , free forever. Upgrade when you’re ready to optimize your entire home loan.
Free
Everything you need to know if you’re overpaying right now.
- Rate Review: Check your current bond vs all SA banks
- Bond Pre-Approval: See what you qualify for instantly
- Draft Bank Email: Pre-written request to lower your rate
- Monthly Insights: Prime rate updates & saving tips
- Bond Optimizer & extra payment modeling
- Property Valuation & equity tracking
- Rate drop alerts & refinance timing
Premium
Full access to the platform, to plan, buy, refinance & pay off your bond faster.
- Everything in Free, plus:
- Bond Optimizer: Model extra payments, save R400k+, shave years off
- Property Valuator: Live equity tracking + reno ROI calculator
- Rate Drop Alerts: We notify you the moment you can refinance cheaper
- Annual Bond Health Check: Catch rate creep & bank errors
- Priority Support: WhatsApp help from clxr experts
Cancel anytime.
Frequently asked questions
Why is Rate Review free?
Banks don’t automatically tell you if you’re overpaying. We believe everyone should have that info. You only pay if you want the full toolkit to optimize your bond.
Can I cancel Premium anytime?
Yes. No contracts. Cancel in 2 clicks from your dashboard. You’ll keep Premium until the end of your billing period.
Will this affect my credit score?
Never. clxr uses bank-approved affordability formulas, not credit bureau checks. That’s why it takes 60 seconds with zero impact.
Do I need Premium if I’m just buying?
Free covers pre-approval. Upgrade to Premium if you want property valuations before you offer, or Bond Optimizer to plan repayments after you buy.
How much can Premium actually save me?
Rate alerts + Bond Optimizer users save R120k-R400k+ on average by refinancing at the right time and adding R1000/m extra. Premium pays for itself in month 1 for most users.
Is clxr a bank or broker?
No. We’re an independent pre-assessment tool. We don’t sell loans or take commission. We give you the data to negotiate yourself or connect you to originators if you ask.