Debt Consolidation Loans www.mortgagepluscc.co.za What is Debt Consolidation? Mortgage Plus through Aspire utilises its own funding to provide you with one loan to settle your debts, even if you have a poor credit profile. A home loan is secured against your property and carries one of the lowest interest rates. The aim of debt consolidation is to increase the amount of the existing home loan and use this amount to settle your debts. This should improve your monthly cash flow due to the lower interest rates and finance charges offered on home loans. How Does It Work? We loan you the amount you require and use this amount to settle your debts You remain the owner of the property Judgements that have been taken against you are rescinded Your credit bureau profile is improved dramatically Once your credit bureau profile has improved, we apply for an additional home loan. Our loan is repaid by the bank that grants you the additional home loan. What are the Requirements? Your debt must be more than R30 000 Your gross monthly household income must be more than of R8 500 You must have sufficient equity in your property – minimum property value of R200 000 A maximum home loan of 75% of the current market value of your property is applicable (including your existing home loan) Your monthly home loan repayment cannot exceed 30% of your gross monthly household income We will need a copy of the following from you: ID document Marriage certificate (if applicable) Anti-nuptial contract (if applicable) 3 Months bank statements 6 Months bond statements 3 Months salary slips Latest rates account Latest water & electricity account

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

1. How do I know if my loan will be approved?
Every loan will be evaluated on its merit, but if you meet our basic requirements, then it is very unlikely that your application will be declined.

2. How does your Cash Back Guarantee works?
We will pay you cash, if we get your loan approved, subject to our terms and conditions.

3. Are you really that good? How can I trust you?
Do not take our word for it…See how much our service has been worth in hard rands and cents to our customer. Click here for more.

4. But, what about your customer service?
Yet again, we will not blow our own horn. This is what our clients have to say…Click here for comments

5. What will happen after you’ve got business? Will I be left out in the cold?
Yes, unfortunately you will…..unless of course you make use of our services. We know that customer service is not big in South Africa , but for us it is a BIG THING!

6. Do I have to be a home owner to qualify for a debt consolidation loan?
Unfortunately you have to be a homeowner if you want to qualify for a debt consolidation loan in excess of R50,000. We do not make the rules, that is just how the system works

7. What if I am not a homeowner?
For more information on how to reduce your debt go to: www.nca.co.za

8. I am currently in arrears with my bond, can you still help me?
Unfortunately, the moment you are in arrears with your bond a hold or stop is placed on the bond and, therefore, no further credit can be extended to you.

9. My bond was in arrears but is now up to date, can you help me?
Yes we can, if you have kept up your commitment for the last 6 months you can apply.

10. I want to buy a house, but I don’t have a deposit, can you help me?
Yes we can. We will look at your income and work out what amount you can afford. You will find a house you like and we will help you to apply for a 104% bond. This means, the full purchase price plus all the costs involved will be covered with the bond.

11. Can I qualify for a mortgage even though I had credit problems in the past?
Yes, you can qualify – because bad credit in the past meant that you fixed whatever it was that became a financial problem for you. This shows character to a lender. If this debt has been settled, proof of this will be submitted to the bank with a full motivation.

To apply for your Home Loan – Click Here 

011 327 – 4489 morne@mortgagepluscc.co.za