From start-up company in 2010 to one of South Africa’s largest bond originators.




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Our Company & Story


Capcubed was started by former Executive Directors of MortgageSA (now Ooba). Graham Paterson and Gavin Southwell were part of a 5 member Executive team that took MortgageSA from a startup Company in 1999 to winning the South African Top Non Listed Company Award in 2004.

After leaving MortgageSA in 2008 the friends, with their complimentary business skills (Systems, Sales and Finance), launched Capcubed in 2010. Under their leadership and strategy of employing passionate, professional and energetic people the company has been warmly received in the market and has grown rapidly with Offices in the Western Cape, Gauteng, Kwa-Zulu Natal and Eastern Cape.


Executive Directors



Operations Director

Operations Director, Graham Paterson. Graham is a Chartered Accountant and has vast experience in the South African Property Industry. Under his leadership Capcubed is focused on delivering key sales and sales support processes to help our Sales Team deliver an excellent service and help fulfill our promise to help people own homes.



Sales Director

Under the leadership of our Sales Director, Gavin Southwell, our Sales Management team are positioned to deliver an expert Home Loan Sales service to the Property Industry in South Africa. Our key sales areas are spread across the major regions of South Africa, including Western Cape, Kwazulu-Natal, Gauteng and Eastern Cape and our home loan consultants are passionate about servicing these areas with passion and energy to help people own homes.

Our Mission & Values

We help people own homes & offer financial protection for their most important assets


  • Energy & Passion

    We are courageous. I am actively involved, because I am Capcubed. We promote a positive, energizing, optimistic and fun environment. We value, promote and fiercely protect our reputation.
  • Humility

    We don’t take success for granted. We think and act like an underdog. We are humble with success, not arrogant. We are scrappy and resourceful. We never underestimate our competitors. We learn from our mistakes and successes with equal measure. We seek and provide honest feedback.
  • Innovation

    We innovate, evolve and reinvent. We aim high, think big and take calculated risks. We have a healthy disregard for the impossible. We are open to continual change and continuous improvement. We are a quantitative company and use data to make decisions. Collaboration: leverages collective genius.
  • People

    We hire great people and expect a lot from them. We create an environment where people can grow and flourish. We treat people with fairness and respect. We challenge each others ideas directly and openly. We value diversity in people and new ideas. We build win: win relationships. We listen to each other for understanding.
  • Integrity

    We do the right thing. We do what we say we’ll do. We honour confidentiality. When we are representing Capcubed and act appropriately. Our business practices are beyond reproach.
  • Focused on What Matters

    We operate with clearly defined goals. We earn customer loyalty and respect everyday. Sustainable long-term growth and profitability are key to our success. We do things that matter. We recognise and repeat success aggressively.