Welcome to the Mortgage Plus application centre, where we will guide you through the home loan process, as well as online bond applications, and find the right loan for you.

At Mortgage Plus we are the National Credit Act experts and know how to navigate the new law to secure your home loan. 

We will do the paperwork and negotiate a better interest rate, hassle-free, and at no cost to you.

If you want to know the size of home loan you may be eligible for Click Here

If you have found your home and are in a hurry to get a home loan, complete our quick application form below:

CONTACT US ON:
Call us on 011.327.4489
Email: morne@mortgagepluscc.co.za

New Home Loans (Absa Bank, Nedbank, Standard Bank, FNB, Sanlam, SA Home Loans)

Buying a home is probably the single biggest investment you will make in your lifetime. It is not only a major financial commitment, but also an emotional experience that normally results in an exciting change in lifestyle.

Whether you are building your own home or buying an established property, you are investing in your future wealth and security needs. Your home could well become the foundation of financial independence for you and your family.

Features

- 100% loan to purchase price.
- The repayment term can be structured up to a maximum of 30 years – note that the general term is usually 20 years.
- The loan term may be increased or decreased at any time, at no additional cost. Your monthly payment however may be affected and could either increase or decrease, depending on the option you have chosen. If your repayment increases, the bank will need to assess that you can afford the new repayment before it can be changed.
- Choose the interest rate option that gives you the repayment structure you prefer – fixed or variable.

With the exception of Group Schemes that provide salary deductions, repayments will be made via a due-amount debit order.
- A larger bond can be registered than the amount of the loan granted.
- Link your home loan to Absa Internet Banking and Telephone Banking for electronic access.
- Further loan amounts may be applied for as soon as your property value increases sufficiently or when you want to extend/improve your property.
- Additional deposits can be made at any stage, which will immediately reduce your interest cost.

Gain immediate access to available funds via the Internet, telephone, ATMs or branches with FlexiReserve.
- Purchase multiple properties and link them to a single account.

Benefits

- No need to save for a deposit.
- Determine your own repayments by having a flexible term.
- By fixing your interest rate, you are not affected by rate hikes for the period which you have opted for.
- Save time and the hassle of having to go and pay your account physically with the due-amount debit order.
- Cut the cost and time when increasing your loan in the future (via a Further Advance).
- Transact hassle-free and cheaper electronically.
- The Further Advance option allows you to finance just about anything from purchasing another vehicle to improving   your existing home at more affordable rates compared to other finance mechanisms.
- You can save by depositing an additional amount into your loan or by opting to pay more than your monthly repayment.
- Have one repayment, one term and an interest rate for multiple properties.

Documentation required when applying for a Home Loan

- Fully completed and signed application forms
- Copy of Identity Document/Passport
- Proof of income
- Copy of Offer to Purchase (including property details)
- 6 months’ bank statements where income is reflected of which the last 3 months must be consecutive (only if applicant if not an existing Absa customer)
- Above also applies where commission is received.

If you want a Home Loan service that cuts through all the usual hassles and frustrations, contact us and we will take care of everything.

Call us now on (011)327-4489

www.mortgagepluscc.co.za