Leaderboard

Nothing with regards to their product offering. Biggest mistake I ever made though was "upgrade" to their Private Client suite which is a bunch of bs. Most of the time you have to phone the relevant department anyway. Bigger deposit can potentially mean better interest rate. If we put the interest rate aside, there should be no difference in repayments between having a R1 000 000 bond with R200 000 in an access facility vs a bond with R800 000 outstanding. The fundamental differences (and take it with a pinch of salt): Access facility means just that, you have access to any extra funds you put in your account. Great for an emergency fund, but easy to spend if you are "bad" with money Extra money in the access facility returns at the rate of your home loan interest but tax free. You pay tax on interest you gain but not on interest you save. Down side obviously is that the rate of return is pretty low compared to what equities are returning, so having too much in the access facility is potentially bad given the low interest rates. You cannot fix the interest rate on a bond with an access facility which is something people may want to do in a year or so's time Personally - I took the access facility to keep my options and access to funds open.

Service/Product Description: Many professions, such as Chiropractors and Physiotherapists are required by their governing bodies (eg. Health Professionals Council as well as the Allied Health Professions Councils) to capture a consent form related to the COVID-19 pandemic when they treat their patients. This will create a mountain of paperwork that can easily get lost. [CUE intense music, cloud of smoke] Enter Online Forms - The solution to keep your consent forms and staff registers on a digital platform where they can't get lost and are safe from prying eyes. Simple capture form that is a "fill in the blanks" or "select an existing patient" and it creates a signed document easily! Location: https://organicode.co.za/onlineforms About us: OrganiCode hopes to build organic, lasting and growing relationships with customers using code. We do custom development, but also have a couple of inhouse products under construction with Online Forms being the first out for public consumption. Links (optional): https://organicode.co.za