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	<title>Bond Originators and Mortgage Experts &#187; bank statements</title>
	<atom:link href="http://mortgagepluscc.co.za/blog/tag/bank-statements/feed/" rel="self" type="application/rss+xml" />
	<link>http://mortgagepluscc.co.za/blog</link>
	<description>South Africa&#039;s Leading Bond Originator and Mortgage Expert Blog !</description>
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		<title>Self-Employed Home Buyers – Stress-free Bond Applications</title>
		<link>http://mortgagepluscc.co.za/blog/2011/04/self-employed-home-buyers-%e2%80%93-stress-free-bond-applications/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/04/self-employed-home-buyers-%e2%80%93-stress-free-bond-applications/#comments</comments>
		<pubDate>Fri, 08 Apr 2011 10:35:05 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a mortgage originator]]></category>
		<category><![CDATA[a self-employed bond applicant]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[bank statements]]></category>
		<category><![CDATA[before]]></category>
		<category><![CDATA[bond]]></category>
		<category><![CDATA[bond originator]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[obtain a bond]]></category>
		<category><![CDATA[originator]]></category>
		<category><![CDATA[paperwork]]></category>
		<category><![CDATA[paperwork ready]]></category>
		<category><![CDATA[questions]]></category>
		<category><![CDATA[ready]]></category>
		<category><![CDATA[reputable bond originator]]></category>
		<category><![CDATA[requirements]]></category>
		<category><![CDATA[self employed]]></category>
		<category><![CDATA[self employed home finance]]></category>
		<category><![CDATA[self-employed loans]]></category>
		<category><![CDATA[self-employed person]]></category>
		<category><![CDATA[start]]></category>
		<category><![CDATA[Statements]]></category>
		<category><![CDATA[submit]]></category>
		<category><![CDATA[three bank statements]]></category>
		<category><![CDATA[–]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=3112</guid>
		<description><![CDATA[If you are self-employed and looking into buying a home for yourself, make sure you have all the paperwork ready, so that you can save time and start looking for your dream home.
There is more paperwork involved if you are a self-employed person, especially if you are trying to obtain a bond. No matter how [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2011/04/self-employed-home-buyers-%e2%80%93-stress-free-bond-applications/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Self-employed property buyer Home Loans</title>
		<link>http://mortgagepluscc.co.za/blog/2011/03/self-employed-property-buyer-home-loans/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/03/self-employed-property-buyer-home-loans/#comments</comments>
		<pubDate>Mon, 28 Mar 2011 09:43:03 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[accepting application]]></category>
		<category><![CDATA[accountant]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[applicants]]></category>
		<category><![CDATA[assessing self-employed]]></category>
		<category><![CDATA[available funds]]></category>
		<category><![CDATA[bank statements]]></category>
		<category><![CDATA[Banks']]></category>
		<category><![CDATA[bond applicants]]></category>
		<category><![CDATA[business accounts]]></category>
		<category><![CDATA[Business owners]]></category>
		<category><![CDATA[commercial banks]]></category>
		<category><![CDATA[consolidating]]></category>
		<category><![CDATA[credit criteria]]></category>
		<category><![CDATA[financial]]></category>
		<category><![CDATA[financial statements]]></category>
		<category><![CDATA[income letter]]></category>
		<category><![CDATA[independent bond consultant]]></category>
		<category><![CDATA[independent mortgage]]></category>
		<category><![CDATA[independent originators]]></category>
		<category><![CDATA[individuals]]></category>
		<category><![CDATA[mortgage bond applicants]]></category>
		<category><![CDATA[mortgage bond application]]></category>
		<category><![CDATA[mortgage bond consultant]]></category>
		<category><![CDATA[organisation]]></category>
		<category><![CDATA[personal current accounts]]></category>
		<category><![CDATA[professional]]></category>
		<category><![CDATA[professional bond consultant]]></category>
		<category><![CDATA[professional originator]]></category>
		<category><![CDATA[restructuring]]></category>
		<category><![CDATA[self employed home loans]]></category>
		<category><![CDATA[self-employed applicant]]></category>
		<category><![CDATA[self-employed bonds]]></category>
		<category><![CDATA[self-employed entrepreneurs]]></category>
		<category><![CDATA[Self-employed mortgage loans]]></category>
		<category><![CDATA[supported]]></category>
		<category><![CDATA[sustainability]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=3054</guid>
		<description><![CDATA[Self-employed Home Loans
The banks have become a lot more cautious when assessing self-employed mortgage bond applicants.
Gone are the days that an income letter from an accountant, supported by six-month bank statements, sufficed. In this challenging economic climate, banks want to scrutinise the stability of the organisation before they will consider a self-employed applicant as a [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2011/03/self-employed-property-buyer-home-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>First time buyers &#124; Advice on how to get a mortgage approved.</title>
		<link>http://mortgagepluscc.co.za/blog/2010/10/first-time-buyers-advice-on-how-to-get-a-mortgage-approved/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/10/first-time-buyers-advice-on-how-to-get-a-mortgage-approved/#comments</comments>
		<pubDate>Mon, 18 Oct 2010 10:56:23 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a statement of assets]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[answers]]></category>
		<category><![CDATA[apply for]]></category>
		<category><![CDATA[approach multiple banks]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[bank statements]]></category>
		<category><![CDATA[banks criteria]]></category>
		<category><![CDATA[bigger deposit]]></category>
		<category><![CDATA[bond applications]]></category>
		<category><![CDATA[bond registration fees]]></category>
		<category><![CDATA[borrow]]></category>
		<category><![CDATA[budgeted]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[calculate the transfer and registration costs]]></category>
		<category><![CDATA[calculating]]></category>
		<category><![CDATA[credit profile]]></category>
		<category><![CDATA[criteria]]></category>
		<category><![CDATA[determining what you can afford]]></category>
		<category><![CDATA[exact costs]]></category>
		<category><![CDATA[facilitating bond negotiations]]></category>
		<category><![CDATA[financial situation]]></category>
		<category><![CDATA[first step]]></category>
		<category><![CDATA[first time buyers' FAQs]]></category>
		<category><![CDATA[first-time home buyer]]></category>
		<category><![CDATA[fix your interest rate]]></category>
		<category><![CDATA[Fixed rates]]></category>
		<category><![CDATA[get the best interest rate]]></category>
		<category><![CDATA[help you]]></category>
		<category><![CDATA[home loan criteria]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[insolvent]]></category>
		<category><![CDATA[legal costs]]></category>
		<category><![CDATA[lending funds]]></category>
		<category><![CDATA[less hassle and minimal paperwork]]></category>
		<category><![CDATA[liabilities]]></category>
		<category><![CDATA[loan amount]]></category>
		<category><![CDATA[loan documentation required]]></category>
		<category><![CDATA[Loan-to-Value ratio]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[monthly repayments]]></category>
		<category><![CDATA[multiple lenders]]></category>
		<category><![CDATA[negotiating the best]]></category>
		<category><![CDATA[negotiating the best deal]]></category>
		<category><![CDATA[net disposable income]]></category>
		<category><![CDATA[new home]]></category>
		<category><![CDATA[New Home Loans in South Africa]]></category>
		<category><![CDATA[obtain fast approval]]></category>
		<category><![CDATA[paying a deposit]]></category>
		<category><![CDATA[positive outcome]]></category>
		<category><![CDATA[potential first time buyers]]></category>
		<category><![CDATA[Prequalification]]></category>
		<category><![CDATA[properties]]></category>
		<category><![CDATA[provides bond answers]]></category>
		<category><![CDATA[provides home loan answers]]></category>
		<category><![CDATA[provides mortgage answers]]></category>
		<category><![CDATA[purchase price]]></category>
		<category><![CDATA[residential property market]]></category>
		<category><![CDATA[salary slips]]></category>
		<category><![CDATA[save you thousands]]></category>
		<category><![CDATA[self employed]]></category>
		<category><![CDATA[service is free to homebuyers]]></category>
		<category><![CDATA[services of a bond originator]]></category>
		<category><![CDATA[shop around]]></category>
		<category><![CDATA[Shopping around]]></category>
		<category><![CDATA[Should I use a bond originator?]]></category>
		<category><![CDATA[submit to the bank]]></category>
		<category><![CDATA[the best rate]]></category>
		<category><![CDATA[the latest]]></category>
		<category><![CDATA[transfer duty]]></category>
		<category><![CDATA[upfront costs]]></category>
		<category><![CDATA[variable rates]]></category>
		<category><![CDATA[your bond originator]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=2354</guid>
		<description><![CDATA[First time buyers&#8217; FAQs
With the recovery in the residential property market looking set to continue, an increasing number of potential first time buyers are considering making what will be the largest purchase of their lives so far.
Craig Deats, provides answers to some of the most commonly asked questions by these first-time buyers:
How much can I [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/10/first-time-buyers-advice-on-how-to-get-a-mortgage-approved/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The most accurate method of establishing how much you can borrow.</title>
		<link>http://mortgagepluscc.co.za/blog/2010/07/the-most-accurate-method-of-establishing-how-much-you-can-borrow/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/07/the-most-accurate-method-of-establishing-how-much-you-can-borrow/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 08:26:14 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a home loan consultant]]></category>
		<category><![CDATA[A lender]]></category>
		<category><![CDATA[A mortgage lender]]></category>
		<category><![CDATA[all banks]]></category>
		<category><![CDATA[applicants borrowing eligibility]]></category>
		<category><![CDATA[Audited Financial Statements]]></category>
		<category><![CDATA[bank statements]]></category>
		<category><![CDATA[bond amount]]></category>
		<category><![CDATA[buying a property]]></category>
		<category><![CDATA[calculate]]></category>
		<category><![CDATA[calculate affordability]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[Commission earner]]></category>
		<category><![CDATA[Commission Earner Home Loans]]></category>
		<category><![CDATA[Commission earner mortgages]]></category>
		<category><![CDATA[contact a qualified mortgage broker]]></category>
		<category><![CDATA[Credit Bureau’s information]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit cards and personal loans]]></category>
		<category><![CDATA[disposable income]]></category>
		<category><![CDATA[dividends]]></category>
		<category><![CDATA[eligibility calculations]]></category>
		<category><![CDATA[eligible to borrow]]></category>
		<category><![CDATA[financing your new property]]></category>
		<category><![CDATA[full range of options]]></category>
		<category><![CDATA[get a bigger mortgage]]></category>
		<category><![CDATA[Home loans for Self-employed individuals]]></category>
		<category><![CDATA[How Much Can I Borrow?]]></category>
		<category><![CDATA[interest rate rises]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[latest management accounts]]></category>
		<category><![CDATA[lease agreements]]></category>
		<category><![CDATA[lend you money]]></category>
		<category><![CDATA[loan repayments]]></category>
		<category><![CDATA[lowering your bond repayments]]></category>
		<category><![CDATA[maximum monthly mortgage repayment]]></category>
		<category><![CDATA[maximum repayments]]></category>
		<category><![CDATA[monthly expenses]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Plus bond consultant]]></category>
		<category><![CDATA[Mortgage Plus consultant]]></category>
		<category><![CDATA[Mortgage Plus home loan consultant]]></category>
		<category><![CDATA[mortgage repayment]]></category>
		<category><![CDATA[net income for their calculations]]></category>
		<category><![CDATA[Other Income]]></category>
		<category><![CDATA[Partners / Spouse's income]]></category>
		<category><![CDATA[Personal Loans]]></category>
		<category><![CDATA[qualified mortgage broker]]></category>
		<category><![CDATA[reckless lending]]></category>
		<category><![CDATA[rental income]]></category>
		<category><![CDATA[rental property]]></category>
		<category><![CDATA[reviewing your existing mortgage]]></category>
		<category><![CDATA[Salary Multiples]]></category>
		<category><![CDATA[securing attorney discounts]]></category>
		<category><![CDATA[Self-employed individuals]]></category>
		<category><![CDATA[Self-employed individuals loans]]></category>
		<category><![CDATA[Speak to a home loan consultant]]></category>
		<category><![CDATA[the best bond deal possible.]]></category>
		<category><![CDATA[the best deal possible]]></category>
		<category><![CDATA[the best home loan deal possible.]]></category>
		<category><![CDATA[the best interest rate]]></category>
		<category><![CDATA[the Best interest rates in SA]]></category>
		<category><![CDATA[the best mortgage deal possible]]></category>
		<category><![CDATA[various lenders]]></category>
		<category><![CDATA[vehicle finance]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1975</guid>
		<description><![CDATA[How much can I borrow for a mortgage?
One of the first question everyone asks when they are thinking of buying a property is ‘how much can I borrow?’ This is not an exact science and all banks have methods to calculate affordability. Since the introduction of the National Credit Act this has become even more [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/07/the-most-accurate-method-of-establishing-how-much-you-can-borrow/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>First Time Home Buyer &#124; First Time Home Loans and Mortgages</title>
		<link>http://mortgagepluscc.co.za/blog/2010/01/first-time-home-buyer-first-time-home-loans-and-mortgages/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/01/first-time-home-buyer-first-time-home-loans-and-mortgages/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 08:24:02 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[all costs included]]></category>
		<category><![CDATA[apply for your Loan]]></category>
		<category><![CDATA[approved for a larger loan]]></category>
		<category><![CDATA[bank statements]]></category>
		<category><![CDATA[body corporation financials]]></category>
		<category><![CDATA[credit clear history]]></category>
		<category><![CDATA[first property]]></category>
		<category><![CDATA[first-time home buyer]]></category>
		<category><![CDATA[general requirements]]></category>
		<category><![CDATA[home loan amounts]]></category>
		<category><![CDATA[home loan application]]></category>
		<category><![CDATA[included in your bond amount]]></category>
		<category><![CDATA[judgments or defaults]]></category>
		<category><![CDATA[Loan-to-Value ratio]]></category>
		<category><![CDATA[looking to purchase]]></category>
		<category><![CDATA[minimum salary requirements]]></category>
		<category><![CDATA[monthly installment]]></category>
		<category><![CDATA[monthly salary]]></category>
		<category><![CDATA[purchase your first home]]></category>
		<category><![CDATA[qualify for a home loan]]></category>
		<category><![CDATA[qualify for home loan finance]]></category>
		<category><![CDATA[registration of your bond]]></category>
		<category><![CDATA[SA citizenship]]></category>
		<category><![CDATA[secure a home loan]]></category>
		<category><![CDATA[self employed]]></category>
		<category><![CDATA[Six months permanently employed]]></category>
		<category><![CDATA[Transfer duty fees]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1144</guid>
		<description><![CDATA[
INTRODUCTION:
A first-time home buyer is someone, looking to purchase their first property or home. But before you’re able to purchase your first home you’ll need to secure a home loan.
In many cases a monthly installment on a home loan is more or less the same as a rental payment on a lease contract. The only [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/01/first-time-home-buyer-first-time-home-loans-and-mortgages/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Get pre approvals for your new Home Loan, Bond or Mortgage.</title>
		<link>http://mortgagepluscc.co.za/blog/2009/12/get-pre-approvals-for-your-new-home-loan-bond-or-mortgage/</link>
		<comments>http://mortgagepluscc.co.za/blog/2009/12/get-pre-approvals-for-your-new-home-loan-bond-or-mortgage/#comments</comments>
		<pubDate>Tue, 08 Dec 2009 10:20:07 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[100% loans]]></category>
		<category><![CDATA[apply for a bond]]></category>
		<category><![CDATA[apply for a home loan]]></category>
		<category><![CDATA[apply for a loan]]></category>
		<category><![CDATA[apply for a mortgage]]></category>
		<category><![CDATA[apply for a new home loan]]></category>
		<category><![CDATA[apply for a new mortgage]]></category>
		<category><![CDATA[assets and liabilities]]></category>
		<category><![CDATA[bank statements]]></category>
		<category><![CDATA[Banks']]></category>
		<category><![CDATA[best interest rate]]></category>
		<category><![CDATA[bond applications]]></category>
		<category><![CDATA[bond approval]]></category>
		<category><![CDATA[buying a property]]></category>
		<category><![CDATA[Checking affordability]]></category>
		<category><![CDATA[consumer bureaux]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit record]]></category>
		<category><![CDATA[Employment History]]></category>
		<category><![CDATA[finance consultant]]></category>
		<category><![CDATA[financial requirements]]></category>
		<category><![CDATA[Get prequalified]]></category>
		<category><![CDATA[Getting that bond approval]]></category>
		<category><![CDATA[good credit risk]]></category>
		<category><![CDATA[granting]]></category>
		<category><![CDATA[lending criteria]]></category>
		<category><![CDATA[monthly expenses]]></category>
		<category><![CDATA[mortgage originator]]></category>
		<category><![CDATA[mortgage originators]]></category>
		<category><![CDATA[negotiating]]></category>
		<category><![CDATA[payment history]]></category>
		<category><![CDATA[prequalified bonds]]></category>
		<category><![CDATA[prequalified home loans]]></category>
		<category><![CDATA[prequalified mortgage]]></category>
		<category><![CDATA[prequalified mortgages]]></category>
		<category><![CDATA[salary slips]]></category>
		<category><![CDATA[specialise]]></category>
		<category><![CDATA[www.mortgagepluscc.co.za]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1063</guid>
		<description><![CDATA[
With banks beginning to relax their lending policies supporting a revival in the property market now is the time to apply for a bond.
&#8220;With the relaxation of lending policies there should be a much improved chance of being approved for a loan on favourable terms. &#8220;Banks are once again offering 100% loans and the current [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2009/12/get-pre-approvals-for-your-new-home-loan-bond-or-mortgage/feed/</wfw:commentRss>
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