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	<title>Mortgage &#38; Property Talk SA &#187; home loan applicants</title>
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	<link>http://mortgagepluscc.co.za/blog</link>
	<description>South Africa&#039;s Leading Bond Originator and Home Loan Advisors</description>
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		<title>Improve your chances for a home loan approval in SA</title>
		<link>http://mortgagepluscc.co.za/blog/2010/10/improve-your-chances-for-a-home-loan-approval-in-sa/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/10/improve-your-chances-for-a-home-loan-approval-in-sa/#comments</comments>
		<pubDate>Thu, 14 Oct 2010 09:59:21 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[100% bonds]]></category>
		<category><![CDATA[100% home loans]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[America]]></category>
		<category><![CDATA[applicants]]></category>
		<category><![CDATA[application approved]]></category>
		<category><![CDATA[applications]]></category>
		<category><![CDATA[approval rate]]></category>
		<category><![CDATA[Bond application]]></category>
		<category><![CDATA[bond approval]]></category>
		<category><![CDATA[calculation]]></category>
		<category><![CDATA[fluctuating interest rates]]></category>
		<category><![CDATA[get a mortgage bond approval]]></category>
		<category><![CDATA[get an approved home loan today]]></category>
		<category><![CDATA[Getting a home loan]]></category>
		<category><![CDATA[governing mortgage]]></category>
		<category><![CDATA[granted bonds]]></category>
		<category><![CDATA[granting a 100% home loan]]></category>
		<category><![CDATA[home loan applicants]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[Lending]]></category>
		<category><![CDATA[lending criteria]]></category>
		<category><![CDATA[loan approval]]></category>
		<category><![CDATA[loan underwriting standards]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[necessary documentation]]></category>
		<category><![CDATA[property markets]]></category>
		<category><![CDATA[repayment to income]]></category>
		<category><![CDATA[Self-employed individuals]]></category>
		<category><![CDATA[Self-employment]]></category>
		<category><![CDATA[Stable income]]></category>
		<category><![CDATA[Stricter lending criteria]]></category>
		<category><![CDATA[successful]]></category>
		<category><![CDATA[the banks lending criteria]]></category>
		<category><![CDATA[top five points to consider when applying for a home loan]]></category>
		<category><![CDATA[UK]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=2342</guid>
		<description><![CDATA[Improve your chances for a bond approval
&#8220;Even with the worst of the recession behind us, combined with the fact that the banks are starting to marginally relax their lending criteria, getting a bond application approved remains a challenge for many,&#8221; says Adrian Goslett, CEO of RE/MAX of Southern Africa.
The lending landscape has seen dramatic changes [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/10/improve-your-chances-for-a-home-loan-approval-in-sa/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Advice to Home Loan Applicants in Sa</title>
		<link>http://mortgagepluscc.co.za/blog/2010/09/advice-to-home-loan-applicants-in-sa/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/09/advice-to-home-loan-applicants-in-sa/#comments</comments>
		<pubDate>Mon, 27 Sep 2010 11:13:14 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a good estate agent]]></category>
		<category><![CDATA[a good mortgage originator]]></category>
		<category><![CDATA[advice]]></category>
		<category><![CDATA[Advice to today's]]></category>
		<category><![CDATA[applicants]]></category>
		<category><![CDATA[applies for a bond]]></category>
		<category><![CDATA[apply for a bond]]></category>
		<category><![CDATA[become a homeowner]]></category>
		<category><![CDATA[bond applicants]]></category>
		<category><![CDATA[bond payments]]></category>
		<category><![CDATA[bondholder]]></category>
		<category><![CDATA[current low rates]]></category>
		<category><![CDATA[future interest rises]]></category>
		<category><![CDATA[future rate increases]]></category>
		<category><![CDATA[home loan applicants]]></category>
		<category><![CDATA[homeownership]]></category>
		<category><![CDATA[interest rate's recent performance]]></category>
		<category><![CDATA[loan consultant]]></category>
		<category><![CDATA[maximum value]]></category>
		<category><![CDATA[mortgage originator]]></category>
		<category><![CDATA[qualify for a bond]]></category>
		<category><![CDATA[rate increases]]></category>
		<category><![CDATA[Rawson Properties]]></category>
		<category><![CDATA[shorten the payoff period]]></category>
		<category><![CDATA[the current rate]]></category>
		<category><![CDATA[today's very favourable rates]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=2269</guid>
		<description><![CDATA[Advice to Bond Applicants &#8211; take account of future rate increases
Advice to today&#8217;s bond applicants: take account of the inevitable future rates increases &#8211; or you could suffer.
With the interest rates at their lowest levels for some 30 years (the nearest we have recently come to the current levels was in April 2005 when the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Steep rise in black property loan applicants in SA</title>
		<link>http://mortgagepluscc.co.za/blog/2010/08/steep-rise-in-black-property-loan-applicants-in-sa/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/08/steep-rise-in-black-property-loan-applicants-in-sa/#comments</comments>
		<pubDate>Sat, 07 Aug 2010 08:53:35 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[According to Mortgage Plus]]></category>
		<category><![CDATA[affordability criteria]]></category>
		<category><![CDATA[applicants for properties]]></category>
		<category><![CDATA[bank lending criteria]]></category>
		<category><![CDATA[Black bond applicants]]></category>
		<category><![CDATA[Black home loan applicants]]></category>
		<category><![CDATA[Black mortgage applicants]]></category>
		<category><![CDATA[bond applicants]]></category>
		<category><![CDATA[Bond Originators]]></category>
		<category><![CDATA[Coloured applicants]]></category>
		<category><![CDATA[Coloured home loan applicants]]></category>
		<category><![CDATA[Coloured mortgage applicants]]></category>
		<category><![CDATA[economic conditions]]></category>
		<category><![CDATA[First time home buyers]]></category>
		<category><![CDATA[home loan applicants]]></category>
		<category><![CDATA[home loan applications]]></category>
		<category><![CDATA[home loan consultant in South Africa]]></category>
		<category><![CDATA[home loan consultants]]></category>
		<category><![CDATA[lending criteria]]></category>
		<category><![CDATA[Mortgage Applicants]]></category>
		<category><![CDATA[New Home Loans in South Africa]]></category>
		<category><![CDATA[New mortgage loans in South Africa]]></category>
		<category><![CDATA[potential Black buyers]]></category>
		<category><![CDATA[potential buyers]]></category>
		<category><![CDATA[properties valued]]></category>
		<category><![CDATA[Property Buyers]]></category>
		<category><![CDATA[Property buyers in South Africa]]></category>
		<category><![CDATA[property price]]></category>
		<category><![CDATA[South Africa's leading bond originators]]></category>
		<category><![CDATA[the best home loan consultant]]></category>
		<category><![CDATA[white applicants]]></category>
		<category><![CDATA[white home loan applicants]]></category>
		<category><![CDATA[white mortgage applicants]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=2065</guid>
		<description><![CDATA[White applicants for properties has been consistently less than the combined total of Black and Coloured applicants over the last three years.
South Africa&#8217;s leading bond originators says data it has collated around home loan applications over the past three years reveals some interesting trends around the racial demographics of property buyers in South Africa.
The most [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/08/steep-rise-in-black-property-loan-applicants-in-sa/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bond assessments explained &#8211; South Africa</title>
		<link>http://mortgagepluscc.co.za/blog/2010/03/bond-assessments-explained-south-africa/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/03/bond-assessments-explained-south-africa/#comments</comments>
		<pubDate>Wed, 31 Mar 2010 08:30:27 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a good bond originator]]></category>
		<category><![CDATA[applicants looking for bonds]]></category>
		<category><![CDATA[applicant’s credit profile]]></category>
		<category><![CDATA[assessments]]></category>
		<category><![CDATA[bond applicants]]></category>
		<category><![CDATA[Bond application]]></category>
		<category><![CDATA[bond originator]]></category>
		<category><![CDATA[bond request]]></category>
		<category><![CDATA[client’s payment profile]]></category>
		<category><![CDATA[creditworthiness]]></category>
		<category><![CDATA[home loan applicants]]></category>
		<category><![CDATA[home loan originator]]></category>
		<category><![CDATA[Mortgage Applicants]]></category>
		<category><![CDATA[mortgage originator]]></category>
		<category><![CDATA[promotional transfer]]></category>
		<category><![CDATA[re-apply for a bond]]></category>
		<category><![CDATA[re-apply for a home loan]]></category>
		<category><![CDATA[re-apply for a mortgage]]></category>
		<category><![CDATA[Residential property]]></category>
		<category><![CDATA[the amount you requested]]></category>
		<category><![CDATA[the banks]]></category>
		<category><![CDATA[the bank’s rating system]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1453</guid>
		<description><![CDATA[Are you in the dark as to why your bond application was declined, or why a bank will not give you the amount you requested?
Rob Lawrence, says two main sets of data go into the assessments of applicants looking for bonds on residential property.
“First, the applicant’s credit profile (i.e. his track record as a payer [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/03/bond-assessments-explained-south-africa/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bond Originators in South Africa &#8211; Free Online Mortgage Service</title>
		<link>http://mortgagepluscc.co.za/blog/2010/03/bond-originators-in-south-africa-free-online-mortgage-service/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/03/bond-originators-in-south-africa-free-online-mortgage-service/#comments</comments>
		<pubDate>Tue, 09 Mar 2010 10:47:01 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[100% free service]]></category>
		<category><![CDATA[banks in South Africa]]></category>
		<category><![CDATA[Bond Market]]></category>
		<category><![CDATA[bond originators in eastern cape]]></category>
		<category><![CDATA[bond originators in free state]]></category>
		<category><![CDATA[bond originators in gauteng]]></category>
		<category><![CDATA[bond originators in kwazulu-natal]]></category>
		<category><![CDATA[bond originators in limpopo]]></category>
		<category><![CDATA[bond originators in mpumalanga]]></category>
		<category><![CDATA[bond originators in northern cape]]></category>
		<category><![CDATA[bond originators in south africa]]></category>
		<category><![CDATA[home finance]]></category>
		<category><![CDATA[home loan applicants]]></category>
		<category><![CDATA[home loan applications]]></category>
		<category><![CDATA[home loan originator]]></category>
		<category><![CDATA[home loan specialists]]></category>
		<category><![CDATA[negotiate a better rate]]></category>
		<category><![CDATA[reasonable mortgage]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1323</guid>
		<description><![CDATA[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 [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/03/bond-originators-in-south-africa-free-online-mortgage-service/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>100% bonds &#8216;thing of the past&#8217;</title>
		<link>http://mortgagepluscc.co.za/blog/2010/03/100-bonds-thing-of-the-past/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/03/100-bonds-thing-of-the-past/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 12:53:00 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[100% home loans]]></category>
		<category><![CDATA[Absa's senior property analyst]]></category>
		<category><![CDATA[applying for 100% bonds]]></category>
		<category><![CDATA[home loan applicants]]></category>
		<category><![CDATA[lending criteria]]></category>
		<category><![CDATA[mortgage originator]]></category>
		<category><![CDATA[mortgage originators]]></category>
		<category><![CDATA[national credit act]]></category>
		<category><![CDATA[property market]]></category>
		<category><![CDATA[strict affordability criteria]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1254</guid>
		<description><![CDATA[
Johannesburg &#8211; Despite banks claiming to offer 100% home loans, potential buyers are still left out in the cold by stringent lending criteria, said South Africa&#8217;s biggest mortgage originator on Wednesday.
Such home loans have been offered by the &#8220;Big Four&#8221; banks since August 2009, but according to  mortgage originators banks are still reluctant to grant [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/03/100-bonds-thing-of-the-past/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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