The best Home loan deal in South Africa – 0861 11 11 93

If you are looking for a new home loan, or an extended home loan, then you have come to the right place. We are South Africa’s leading online bond originator, and we’ll help you get a bond approval at the best possible rate.

All you need to do is submit your details to us, then sit back and let us do all the hard work for you. We will shop around between the major banks to find you the best home loan rate. And the best part is that our service won’t cost you a single cent, because we get paid by the banks only if and when your application is approved.

Our online application service is safe secure and completely confidential, and because this is primarily an online service you won’t have to deal with pesky telephone calls and nagging agents.

So go ahead and start your home loan application at the nearest Mortgage Plus Site listed below:

• www.easterncapehomeloans.co.za

• www.freestatehomeloans.co.za

• www.gautenghomeloans.co.za

• www.kwazulunatalhomeloans.co.za

• www.limpopohomeloans.co.za

• www.mpumalangahomeloans.co.za

• www.northerncapehomeloans.co.za

• www.northwesthomeloans.co.za

• www.westerncapehomeloans.co.za

• www.bondchoices.co.za

Apply for your home loan with us today and get the best rate (Guaranteed)”

• 100% Free service
• We do the work for you
• Highest home loan success rate
• Save time and money
• Get expert advice

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

Types of Loans

South Africa’s Leading banks offer their clients a variety of home loans to choose from. A bond consultant will assist you in selecting a loan which best suits your requirements, and also help you through the loan application process. Below is a list of loans available:

First time homeowners loan

First time homeowners home loans are specialist loans, which are rapidly becoming popular as they allow cash restricted first time buyers to lend the total property sale value. This means that registration and transfer costs can be included within the purchase price of the residential property “Depends on bank to bank and product requirements” No deposit is required, providing first time buyers with an excellent opportunity to enter into the property market.

Variable Rate Loan

With a variable rate loan the interest rate is linked to the base home loan rate which may either rise or fall, depending on current market conditions. Should for example the base rate decrease by one percent so will your interest rate, and therefore if the base rate increases so does the home loan rate.

Fixed Rate Loan

With a fixed rate loan, the interest rate stays fixed for a specified period, usually between one and two years. Compared to other loans, the fixed interest rate will be slightly higher than the base home loan rate when the loan is taken out. A fixed rate loan protects the buyer from increasing interest rates, and provides a security in knowing exactly what their payments will be. Unfortunately fixed rate loans do not allow clients to benefit from any decreases in the interest rate over the fixed period.

Capped Rate Loan

Capped rate home loans allow clients to take advantage of both increases and decreases in the current interest rates, however they feature a maximum rate which prevents the home loan applicant from paying more than the capped rate. These home loans are not always available from banks and generally speaking, the qualifying criteria are often more stringent.

Reducing or step down loan

Also an extremely popular option amongst homeowners, the step down or reducing interest rate home loan guarantees a decrease in percentage in steps, for example 0.25% every six months for an agreed period of time, usually less than 5 years. This reduction of rates will save the homeowner a fair amount, and applies regardless of increases and decreases in the interest rate.

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