Introducing Mortgage Plus Bond Originators  

When looking for a home loan in South Africa that will best suit your needs as an individual but have no idea where to start or how to go about this intricate task, then look no further.

MORTGAGE PLUS Home Loans is here to help. As a specialist in home loans, MORTGAGE PLUS Home Loans is more than able to give you the assistance you have been looking for regarding taking out a home loan that will not be heavy on your pocket but which will be something you can manage in the long run.

MORTGAGE PLUS Home Loans knows that purchasing a new home, or taking out a mortgage on your existing home, is a rather costly activity and therefore all the available options need to be considered before an adequate final decision can be made concerning the home loan which is most ideal for you.

After operating in the home loan industry in South Africa for a number of years, MORTGAGE PLUS Home Loans has been able to build up the experience and thus the expertise necessary for giving the best assistance to those looking to take out a home loan or second mortgage on their house.

MORTGAGE PLUS Home Loans has consequently become a specialist in the field of home loans, with more and more people in South Africa coming to us for our expertly reliable home loan assistance services. 

MORTGAGE PLUS offers the following services:

	First Time Buyer Home Loans		Bond Switches
	New Home Loans		Debt Consolidation Loans
	Second Bonds		Development Finance
	Further Home Loan / Re-advance		Commercial Loans
	Building Loans

It should be noted that MORTGAGE PLUS Home Loans is not a bank or an estate agency but is a bond originator who will assist you by starting the bond application process on your behalf.

MORTGAGE PLUS Home Loans has great contacts with a number of the major banks in South Africa, which means that we are more than able to get all clients the best rates possible. Furthermore,

MORTGAGE PLUS Home Loans has their own attorneys and by making use of these you can save up to 30% on your attorney fees.

And if you so wish, you could even receive your funds in as little as 7 days.

Thus with their expertise and networks MORTGAGE PLUS Home Loans will:

• Consult with you regarding the best approach for financing your mortgage.
• Do the legwork in contacting all the financiers in the country.
• Handle all the administrative and legal paperwork on your behalf (with permission of course).
• Negotiate the best offer for you.

So, to be established from what has been said above, MORTGAGE PLUS Home Loans is the best choice to consider when looking for assistance to guide you through the strenuous process of taking out a home loan or getting a second mortgage on your house. MORTGAGE PLUS Home Loans is here to help you make the best decision you most possibly can.

Why not get in touch with us and allow yourself the opportunity to save big on a home loan most suited to your individual needs and pocket.

With MORTGAGE PLUS Home Loans you will not be disappointed.

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

Home loan advice for first-time buyers

Looking to buy your first house, flat, or other type of residential property? Be sure to read on for some critical advice on buying a house and applying for your first home loan…

Do your homework properly – www.propertymax.co.za
Informed buyers get better bargains. If you familiarise yourself with the property market and get a feel for what properties cost in a certain area, you will recognise a good deal immediately, while simultaneously ensuring that you don’t end up paying too much for a property that isn’t worth it.

Be realistic about what you can afford – Affordability Calculator
A good property doesn’t come cheap, and a good property buy is more than just a house – it’s also the location that counts. Yet everything comes at a price, and you may find that you have to sacrifice on space or an extra bedroom in order to buy a property in a more sought-after area. Don’t be disheartened – the challenge is to get into the property market and buy wisely. The last few years’ rapid growth in the property market seems set to continue, which should help you to afford a bigger, more valuable property as time progresses and property growth continues. But first, you have to make inroads into the market as a buyer!

Location is everything
If you wish to buy a property with good investment potential, the neighbourhood you buy in will be a key consideration. If you are looking to buy a family home, it may also be worth your while buying a house close to schools, crèches, etc.

Also attempt to find a home that is situated relatively close to your place of work, as traffic congestion and increasing commuting times can also influence a residential property’s price.

Read – and understand! – the fine print
Buying any property comes with a fair amount of administration. As a first-time homebuyer, you’ll need to familiarise yourself with the mortgage application process, so be sure to ask questions if you don’t understand something. Also have your mortgage contract documents and application forms explained to you in detail, and keep copies of all signed documents in a safe place.

Choose a home loan that best suits your needs
Unsure of which bond solution to choose? If you’re a first-time buyer, why not talk to one of our qualified home loan consultants. Who can advice you on how to meet the home loan requirements of first-time homebuyers.

Allow for interest rate increases
When calculating your budget, it is important to bear in mind that the prime interest rate will influence your monthly home loan instalments if your bond features a variable home loan rate. Unless you opt for a fixed rate home loan solution, any adjustments to the prime rate will directly affect your home loan interest rate.

If prime is lowered, your monthly instalments will in turn be lower, and visa versa. If it increases, however, your monthly instalments will increase by substantial amounts. As such, it is advisable to allow for potential interest rate hikes when calculating your budget – even before buying a house! Be sure to use our
bond calculators to see how big a loan you could qualify for, and also to assess how much you’ll need to allow for potential interest rate increases.

By choosing Mortgage Plus for a loan, you will get that continual service 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