Home Loan Application Form

When looking for a home loan, we have found 3 things matter to home buyers above all – getting a bond approved, getting the best rate and getting great service… and that’s what we focus on.

We have a relationship with all the major banks in South Africa, meaning that we will not only advise you on what loans are available and best suit your needs, but we’ll also be able to shop around to try and get the best deal possible…all with the minimum effort from you and best of all our service is 100% free.

We’re here to help you through the whole process, from pre-qualification to final registration of the bond.

What Our Customers Say:

Mortgage Plus “Morne Prinsloo”  has proven himself as an incredibly competent and a knowledgeable bond originator. He performed above and beyond expectations in what was a complicated mortgage application, and made the process straight forward and as comfortable as possible. My family and I owe a great deal to Morne’s professionalism and patience.

Again

THANK YOU.

Jason Hiddlestone

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Hi Morne. Thank you for your assistance with our home loan application and your swift response to our needs. Your services were greatly appreciated and we would highly recommend you to future clients. We look forward to working with you in the future regarding all our finance needs.

Regards,

Peter Simon

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I was very fortunate in being introduced to Morne Prinsloo, as he provided me with sound and professional home loan advice. He was always readily available to contact and capable of answering ALL the questions I threw at him (and there were many!!!). Thanks again for your help

Anne-Marie Andrews

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We have recently had dealings with Morne through Mortgage Plus Bond Originators in arranging a building finance for our new house in Krugersdorp. We would have no hesitation in recommending Morne to anyone requiring the services of a mortgage originator. Morne’s knowledge was good and all queries were promptly answered. Once finance was organized, there were follow-up calls to make sure everything was progressing smoothly. Even after making our third progress payment to the builder, Morne still rang to see if everything was going smoothly.

Sandra Douglass

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Hello Morne,

Thank you very much for all your help in getting the loan, in fact two loans. You selected the right package and you made us feel as if we are your only customers. We appreciate your following up on every aspect of document collection and completion of all necessary documentation in order to get loan approval without delays. Thank you for keeping us informed every step of the way and explaining the many issues that we avoided thanks to your expertise and commitment to succeed the first time.

Thank you again and kindest regards,

Tresia Du Plessis

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Being first home buyers, the process of finding the right home loan and bank was a very daunting prospect. We were recommended the services of Mr Morne Prinsloo from Mortgage Plus. Morne made himself available at times that suited us and explained our options in an easy to understand fashion. From our initial meeting all the way through the application and registration process, and even once we had moved into our home, Morne was always happy to help. He was available to answer any questions we had and ensured we were comfortable with every aspect of our new home loan. It is no exaggeration to say that without Morne we could not have done this ourselves. We would highly recommend utilizing his services to take the stress and pressure out of finding and applying for a home loan.

Thank you Morne!

Amelia Williams

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Dear Morne,

I am normally a very busy person and do not have much time to search through various finance organizations to find out which one could offer me best finance options. With your help, I was able to do just that within the comfort of my home. We accessed many different options easily by utilizing your website ( www.mortgagepluscc.co.za ) and comparing them to decide which one would suit me best.

But my appreciation did not stop there. After locating the right Home Loan for me, you followed up all the steps leading up to the registration, reminding me some steps that I forgot to follow. You also had a discussion with my financing organization and convinced them to waive the early payment fee of my existing loan (which saved me R7800).

It was your professionalism, attention to detail, and very friendly manners that helped the whole process turn into an easy and manageable experience for us.

I would not hesitate to recommend your services to anyone who is in the process of buying a property and trying to arrange suitable finance. Thanks again for your excellent support and the time you dedicated to us.

Ms. Johanna Setlhogole

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The purchase of our first home was made possible thanks to Mortgage Plus “Morne” and his hard work. Purchasing your first home can be quite daunting, however Morne explained the whole process thoroughly (and many times) to ensure we were well educated and equipped to handle all that came with this process. He was always available to help with any enquiries and promptly addressed any issues that arose. Everything was completed in a timely manner and with great diligence. We are now living the great South African dream thanks to all his hard work!!!

Craig and Pauline

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Morne was very prompt in getting back to me after my initial website inquiry about a reverse mortgage. I was acting on behalf of my aged father in trying to secure a bond. I found Morne to be very knowledgeable in the subject of reverse mortgages, and prompt in his follow up of my subsequent enquiries once I decided to apply. Morne made sure I understood all the detail of the loan and advised all the documentation and processes required to ensure prompt loan approval from First National Bank.

Regards,

Kevin Koen

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Hello Mr Prinsloo. I have just returned from the bank, and everything is now organised and under control.

Thank you so much for being so available, and so willing to give wise advice.

I could not have gone through this experience without you.

My funds will be available for access by Thursday, and the credit card will be the first victim!!!

Kind regards

Adrienne Smalberger

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I found you via Remax Real estate when I was looking for a house to call my own.

You have been very courteous, helpful & prompt in your service all along, thanks heaps.

I will definitely recommend you to anyone I know who requires help with their loan application.

Wishing that you are happy, healthy, & prosperous always.

Dr Dorfling

Please contact us if you require any further information or would like to apply for finance:

Complete this short form online

011.327.4489 / 0861 1111 93

morne@mortgagepluscc.co.za

www.mortgagepluscc.co.za

The economic downturn brought an end to the double digit growth the property market experienced over the past few years. While it might not be as easy to make a quick buck as a few years ago, buying a property is still a good long-term investment. Investing in property, like investing in shares, is the best way to make sure your money beats the eroding effect of inflation in the long run.

It is important to note that when you rent out a property to a tenant, the Receiver of Revenue will consider the rent received as income and it will be included as “gross income” on your tax form. Gross income is usually a basic form of income like a salary. Do not omit your rental income from your tax form – the taxman can easily pick up undeclared rental income by contacting the deeds office.

On the positive side, you will be allowed to deduct expenses incurred in order to generate rental income from the amount you receive as income. This will include expenses like water and electricity (if you pay the bill), rates and taxes, insurance, agent fees, body corporate levies and certain household expenses. It might be a good idea to stipulate these expenses in the rental contract as this will indicate the expenses were incurred as part of the lease. Always keep invoices and statements in a safe place – the South African Revenue Service require that you keep these records for five years.

While the taxman considers repairs to your investment property as tax deductible expenses, improvements are considered of a capital nature and will therefore not be tax deductible. The general rule is that if the expense is incurred to restore the property to its original condition, it will be tax deductible. Expenses incurred to upgrade your home, will not be deductible.

Something that you might not be aware of is that if your investment property is covered by a bond, your interest payments to the bank will also be tax deductible. The capital part of your payment may not be subtracted though. Your bank will be able to supply you with an amortisation table that will indicate which part of your installment is interest on the bond.

By choosing Mortgage Plus for a loan, you will get professional advice to make sure you are getting the best deal possible.

CONTACT US

Speak to a home loan consultant about financing your new property or reviewing your existing mortgage. We are able to assist in lowering your bond repayments and securing attorney discounts.

Complete this short form online
Call us on 011.327.4489
Email: morne@mortgagepluscc.co.za

www.mortgagepluscc.co.za