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Luna Switch Bond origination software for independent originators

Still re-typing
every deal?

Client details arrive on WhatsApp. Weak deals only show themselves at the bank. Referrals live in someone's memory. Luna Switch fixes all three. Capture the client once, see how bank-ready the deal is before you submit, and keep every referral on record. Then the deal drops straight into the system you already use. Capture once. Submit anywhere.

The Luna Switch pipeline board: deals moving from new, through collecting documents and ready to capture, to captured, submitted to banks and granted
Built to work with the systems you already use
No migrationNo re-typing…and new systems on request
The maths

The tool pays for itself in months.

Originators are paid by the bank on every registered bond. One extra registration covers months of Luna Switch.

R7,5k to 15k
commission on every registered bond
5 Deals
free, to try it on your own real work
4 to 10
months of a seat paid for by one extra registered bond
How it works

Four steps. No re-typing.

From first contact to a submission-ready file, without the admin in between.

1

Send the link

One verified link goes to your client. No app to install, no login to remember.

2

Client completes it

They pick their language, verify with a one-time PIN, sign POPIA consent and upload their documents, all in their own language. Joint applicants are welcome.

3

Luna AI builds & scores

The file assembles itself, and you get a bank-readiness grade with plain reasons, so weak deals get fixed before they go anywhere.

4

Into your system

The completed deal drops into whatever origination platform you already use, ready for the banks.

What you get

One tool for the whole capture.

Client capture

The file builds itself

Your client uploads once, in their own language. Luna AI reads every document and pre-fills the application, so your team types less and fewer errors slip through.

  • One verified link: language first, then a one-time PIN, then consent
  • Five South African languages, carried through the portal, SMS and email
  • Luna AI reads and files every document type, and it never overwrites anything your team typed
  • Joint applications and client-declared income and expenses, out of the box
  • Your brand front and centre. The client sees you, not us
The client portal's first step: choose your language, offering English, Afrikaans, isiZulu, isiXhosa and Sepedi
The client portal upload step, greeting the client by name, showing document progress and explaining that Luna reads the documents and fills in the application
A deal health view showing an A grade of 93 out of 100 with per-dimension scores and reasons, and a bank readiness card listing two ways to strengthen the deal before submitting
Deal health

Know before you submit

An advisory score that looks at the deal the way a bank would, with reasons in plain language, so weak deals get fixed before they cost you time at the bank.

  • Reads documents, affordability, account conduct and the credit record
  • Every dimension comes with a human-readable reason
  • Checks each deal against the bank matrices you upload, so advice follows the banks' current rules and not someone's memory of them
  • Instant pre-qualification: a quick affordability check with a report you can send the client
  • A prioritised plan of what to fix first. It advises, but never blocks a deal
Works with your system

Works with what you already have.

Most origination platforms don't talk to anything. Luna Switch enters the completed deal into the portal you already work in. No re-typing, and no waiting for integrations that never come.

  • Drops the deal into whichever origination system you already use
  • Works from your browser, right beside the portal you're filling
  • One originator can work across several systems
  • New systems added on request
  • API ready, for teams that want to connect their own systems
Deal ready Your system …or another
The estate agents view listing self-registered agents with their agencies, referred deals and each agent's ongoing deal submission link
Referral network

Your referral network, tracked

One link registers your estate agents and attributes every lead back to them automatically. Nothing slips, and nobody argues about who sent what.

  • One link the agent uses to register themselves and their agency
  • Every deal auto-attributed to the referring agent
  • The same link keeps working as an ongoing lead portal
  • Full record of who referred whom, and when

Your website, feeding your pipeline

Put Luna's affordability calculator on your own website. It's two lines of code your web person pastes in once, and it works on WordPress, Wix, Squarespace or a custom build. A visitor works out what they can afford, and their details land in your pipeline as an enquiry with POPIA consent recorded. One click turns it into a real application, and the document upload link goes out on its own.

Website connect is an optional add-on at R899 per month, on top of your seats. Locked to your own web address, so nobody else can use it.

Ask about Website connect
POPIA, built in

Privacy is part of the mechanics.

You handle people's most sensitive financial information. Luna Switch treats that as a design constraint, not a checkbox.

Consent before anything

Your client verifies who they are and signs POPIA consent before any personal information is shown or captured.

Links that can't leak

Client and agent links are stored in a form that's useless if stolen. Even a leaked database gives away no working links.

Documents don't linger

Uploaded documents are deleted on a set retention schedule, with a grace window to download what you need first.

Everything on record

Every view, download and change is written to an audit trail that can't be edited. Each business's data is kept apart too, so a query for another company's records returns nothing at all.

The difference

How Luna Switch changes the day.

The same six jobs, done the old way and the Luna Switch way.

The job Without Luna Switch With Luna Switch
Capturing the client ×Email, WhatsApp and re-typing details yourself One verified link the client completes in their own language
Reading documents ×Checked by hand, line by line Luna AI reads them and builds the file for you
Knowing bankability ×You only find out after you submit A bank-readiness score, with reasons, before you submit
Tracking referrals ×Spreadsheets, WhatsApp and memory Every agent lead attributed automatically
Your origination system ×Re-key the same deal into each one Drops into whatever system you already use
POPIA compliance ×Bolted on afterwards, if at all Built in: verified consent, retention limits, full audit trail
Who it's for

Built for the people doing the deals.

Independent originators

Your own brand and your own book, with a tool that helps you close more, wherever you submit.

Broker teams

Multi-user capture, a shared pipeline, and agent attribution across the whole team.

Estate agencies

Give your agents a referral link and see every lead attributed straight back to them.

New: Luna Switch for estate agencies

Not just referrals: Luna Switch now runs the whole agency: rentals, sales and compliance, with tenant and landlord portals that need no logins. Same product, built for how agencies actually work.

Explore the agency product
Plans

Start with a free 5-deal demo.

Run your next five real deals through Luna Switch, free. Then pick a band. Every seat gets the whole platform, and the rate drops as you add seats. Prices are per seat, per month, excluding VAT.

Starter
1 – 5 seats
Independent originators, agents and small teams
Bond origination or estate agencyR1 699/seat/mo ex VATR1 953,85 inc VAT
Both productsR2 299/seat/mo ex VATR2 643,85 inc VAT
  • The full platform on every seat
  • Client capture & verified consent
  • Bank-readiness score
  • Submit into any system
Book a demo
Most popular
Growth
6 – 10 seats
Growing originator and agency teams
Bond origination or estate agencyR1 499/seat/mo ex VATR1 723,85 inc VAT
Both productsR2 099/seat/mo ex VATR2 413,85 inc VAT
  • Everything, at a lower rate per seat
  • Referral network & agent attribution
  • Templates & multi-user
  • Analytics & priority support
Book a demo
Enterprise
11+ seats
Broker groups & agency networks
Either product, or bothLet’s talkpriced with our sales team
  • Everything, at the lowest rate per seat
  • Onboarding & support
  • API ready for your own systems
  • White-label options

We price 11 seats and up with you directly, so the rate is not published. Tell us your seat count and product mix and our sales team will put a number in front of you.

Talk to sales

Prices are shown ex VAT with the inc-VAT figure alongside, because not every originator or agency is VAT-registered. A seat costs the same whether it carries bond origination or estate agency, so an agency pays the same per seat as an originator. Founding-customer pricing available for early sign-ups. Website connect, Luna's calculator on your own site, is an optional add-on at R899/month, ex VAT.

Work out your price

Move the slider to your seat count. Everything updates live.

3 seats
What each seat runs
How you pay
Starter · 1–5 seats

R1 699 per seat, per month, ex VAT

R5 097per month, ex VAT

R5 861,55 inc VAT

Prices exclude VAT. A seat costs the same whether it runs bond origination or estate agency.

Book a demo

Refer a fellow originator and you both get 50% off

Know someone who'd close cleaner deals with Luna Switch? When they become a paying customer, you get 50% off your next month and they get 50% off their second. And keep referring: after your three half-price months, every further referral earns you 5% off your monthly premium.

  1. 1Email us for your personal referral code
  2. 2Your friend quotes it when they book their demo
  3. 3When they subscribe, both discounts unlock

Terms: a referred customer's discount is limited to one month at 50% off (their second month), regardless of how many codes they hold. Referrers earn one 50% month per successful referral, applied to following months one at a time, for a maximum of three months at 50% off. Thereafter, further successful referrals earn 5% off your monthly premium.

Get my referral code
FAQ

Questions, answered.

What is Luna Switch?
Bond origination software for independent originators. It captures the client through a verified link, builds the loan file with Luna AI, scores how bank-ready the deal is before you submit, and drops the completed deal into the origination system you already use.
Which systems does Luna Switch work with?
Whatever you already use. Luna Switch is built to work with the origination system you work in today, and new systems can be added on request.
Does it replace my origination system?
No. Luna Switch sits on top of your existing workflow. It handles the capture, the document reading and the readiness check, then places the finished deal into the system you already use. Submission to the banks stays exactly where it is today.
What languages does the client portal support?
Your client chooses their language first, and the whole portal follows it, including every SMS and email. Five South African languages are supported, and no client login is ever needed.
Is it POPIA compliant?
Privacy is built into the mechanics, not bolted on. Clients give verified consent before any personal data is shown, links can't be reused if leaked, documents are deleted on a set retention schedule, and every access to personal information is recorded in an audit trail.
How much does it cost?
Pricing is per seat, per month, excluding VAT, and the rate drops as you add seats. On the Starter band, 1 to 5 seats: R1 699 per seat for bond origination or estate agency, or R2 299 for a user running both products. On the Growth band, 6 to 10 seats: R1 499 per seat for one product, or R2 099 for both. A seat costs the same whether it is bond origination or estate agency. Enterprise pricing, from 11 seats up, is not published: contact our sales team and we will quote you on your seat count and product mix. Pay six months upfront for 5% off, or twelve months for 10% off. Every plan starts with a free 5-deal demo.
Can we connect Luna Switch to our own systems?
Luna Switch is API ready. If you are a broker group or agency network that wants to feed your own CRM, reporting or BI, talk to us about what you need.
Can Luna put a bond calculator on my own website?
Yes. Website connect embeds Luna's affordability calculator on your site with two lines of code (WordPress, Wix, Squarespace or a custom build). Every enquiry is consent-recorded for POPIA and lands in your pipeline, one click from a real application. Optional add-on, R899/month.
How does the referral programme work?
Email us for your personal referral code and share it with another originator. They quote the code when they book their demo, and once they become a paying customer you get 50% off your next month and they get 50% off their second. A referred customer's discount is limited to one month at 50% off. Referrer discounts are capped at three months at 50% off. After that, each further successful referral earns 5% off your monthly premium.
How do I get a demo?
Email sales@lunaswitch.tech to book a free 5-deal demo. We set up your instance, usually within a day, and you run your next five real deals through it free.
The point

A tool for originators, not a replacement for them.

You stay at the centre: advising the client, negotiating with the banks, winning the deal. Luna Switch just removes the admin underneath you, so you close more with less.

Janice Naidoo, founder of Luna Switch

Janice Naidoo

Founder of Luna Switch

Fourteen years in IT service management, an award winning consultancy, and a second patented product. Luna Switch is small on purpose: when you book a demo you are talking to the people who write the software and answer the phone.

Meet the founder
Get started

Ready to close cleaner deals?

Book a free 5-deal demo and we'll set up an instance for you, usually within a day.

Top 20 Award, South African Small Business Awards 2025 (NSBC)