Standard Bank Home Loans

Mortgage Plus can help you in to get the best Standard bank home loan for your budget and needs. You do not have to lft a finger as we will organize with Standard bank for the home loan option that will suit you the best.

Apply For a Standard Bank Home Loan Today!

Standard bank has two options when it comes to home loans:
Dream start
Jump Start

Dream Start
A home loan aimed at making home finance more accessible to low income earners. That is, those earning a single or joint income of between R1 500 and R6 000 a month, excluding housing subsidies or allowances.

You can apply for a DreamStart home loan if:
You earn a joint income of between R1 500 and R6 000 a month and want to buy a home
You are building a new home
You are looking to move to a bigger or better home

Taking your first steps:
A personal interview will be conducted with you where you will be guided through the home buying process, information will be shared with you, and an affordability calculation will be done. There are specialised consultants at designated branches who will answer any questions you have.

Life assurance:
Standard Bank has arranged a life assurance policy to ensure that your loan is repaid should you die. This policy will settle the outstanding balance on your home loan account.

Repayment methods:
To make your monthly repayments easier, you can pay your installment through a debit order directly from your account. If you do not have an account, ask your Standard Bank consultant about opening an E Plan account and arrange for your salary to be deposited in this account.

Interest:
The interest rate that Standard Bank charges for lending you money is based on the risk to the bank. You will be advised of the repayment and interest rate that will apply to your account in your Letter of Grant. If you pay your minimum home loan installment on time every month, you may qualify for a reward after two years and again after three years.

Access Bond:
If you pay more than your monthly installment every month, you will lower the amount of interest you have to pay and will pay your home loan off faster. You will have to apply for this facility and meet certain qualifying criteria.

Standard Home Loan:
For most of us, a home is the biggest and most significant investment of our lives. It’s more than just shelter. It’s where we raise our families.

Jump Start
JumpStart gives home buyers the opportunity to buy a home even when they cannot afford the deposit and upfront costs.

If you are a cash-strapped home buyer, then your most important requirement is to find the money for the deposit, the transfer cost and the bond registration costs. JumpStart helps you by offering a higher loan to assessed value of your property – a maximum loan to value (LTV) of 100% is allowed.

There are a number of product options available – you choose which option best suits your circumstances and lifestyle. However, not all the options allow you to include all your costs. Apply for the Standard bank home loan today!

CONTACT US
For more assistance with regards to Applying for Home Loan Finance .
Email: morne@mortgagepluscc.co.za
Ph: 011.327.4489
or Complete This Online Form

Bond originators are a fairly new enterprise in the general bond market, and there is thus not much knowledge available regarding what they do or in fact what they are.

And so, to answer this burning question:

A bond originator, or home loan originator, is specialised in offering a service to all home loan applicants who need assistance with their home loan applications. This is a 100% free service made possible through their contacts at all the major banks in South Africa.

To refine this definition, a bond originator is in the business of making the process of taking out a mortgage like a walk in the park.

Mortgage Plus is currently one of the most popular-used of all bond originators in South Africa. They are home loan specialists and pride themselves in the provision of top-notch service to all their clients looking for expert advice regarding taking out the most suitably reasonable mortgage.

The Cost-Effective Solution to Getting Expert Mortgage Advice

With Mortgage Plus you are assured of getting the best advice possible in the concern of getting the mortgage that will be most ideal for you. Not only this, but Mortgage Plus prides itself on being the most cost-effective solution to getting expert mortgage advice; and they are fully-capable of matching this. This is because it costs nothing to use Mortgage Plus as your bond originator. No costs are incurred whatsoever as Mortgage Plus bond originators receive a fee from the Banks Home Loan Department.

Mortgage Plus will assist you in navigating through the complex world of home finance, and will furthermore do the legwork to provide you with an objective overview of all mortgage options available.

Having ever-strengthening relationships with all the major banks in South Africa, Mortgage Plus  is able to give their clients the widest range of choice along with the best rates. What is further beneficial to the individual in making use of a bond originator such as Mortgage Plus  is that bond originators submit thousands of home loan applications annually, and for this reason they have the power to negotiate a better rate for you than you would have as an individual.

Quick and Hassle Free Online Mortgage Service

Using Mortgage Plus  as your bond originator is the most hassle free way of applying for a mortgage as they have the necessary skills and experience to help each and every one of their clients get the lowest home loan rate possible.

Whether you need a new home loan, a home loan extension, or are wishing to switch your home loan, Mortgage Plus  can help you. This bond originator even has made a free online service available to make this happen quickly and efficiently.

To apply online at www.mortgagepluscc.co.za or call them on 011.327.4489

An interesting fact is that 80% of all bonds in South Africa are processed by bond originators. Does this not tell you something? Get in contact with Mortgage Plus today and discover for yourself the reason why more and more people are tuning to bond originators for assistance with their mortgage.

What is it that you are waiting for?  Mortgage Plus  knows the business of home loans.

Although all South African banks have increased the number of residential property mortgage bonds they are prepared to issue and have improved the loan-to-value ratios (in some cases to 100 or even 105 percent); they remain cautious about SA’s growth prospects.

Banks think the risks are still high and major job losses are not yet a thing of the past, says Ivan Neethling, Chairman of the Western Cape branch of the Institute of Estate Agents.

“I have recently come across cases in which qualified professionals such as chartered accountants and a paediatrician failed to get the full bonds for which they applied, regardless of the fact that they qualified for the full amounts and that there was sufficient equity in the properties they wanted to buy. In one instance, one of the banks offered a bond of R1 million when the applicants had applied for a bond of R1.7m,” he says.

“The strongest demand for home finance is now coming from the R450 000 to R490 000 sectional-title buyers and in this sector there is at last a flurry of activity from developers who realise that banks are more disposed to granting bonds here than in other segments of the market.

“On many projects developers have been drawing in buyers with a variety of additional extras such as burglar alarms, roll-on lawns, post boxes and boundary walls and the like.

“Even these, however, are sometimes insufficient to get the project selling quickly.

For more home loan, bond and mortgage options please go to www.mortgagepluscc.co.za

WE WILL FIGHT FOR THE BEST DEAL IN SOUTH AFRICA “Mortgage Plus cc”