If you are in the process of buying property, you have come to the right place for advice.

This website is dedicated to providing you with all kinds of tips and advice to make sure your get the house you want at the price you want. We’ll help you with checklists, negotiation tips and more.

Buying property can be, well – nerve wrecking. Houses are expensive, and usually require long term loans and large monthly repayments. Mistakes are costly, so do your best to avoid them.

Buying a house of your own has many advantages over renting one, and if you are planning to buy your first home, the following tips could be very handy.

Finding your dream home is not always as easy as it looks. There are many factors to take into consideration and searching for the right house may be a time-consuming exercise. Searching the Internet is always a good idea, just to get to know the market, the prices and the problems. Read and do research, you can never have too much knowledge.

Taking too much time is not very beneficial though, and your dream house will be snapped away from under your nose if you don’t get out there soon enough.

When you go house hunting, take your digital camera with you and take lots and lots of pictures. Take pictures of the doors, the garden, the neighbourhood and almost everything you can store on your digital camera’s memory card!

Take note of the features of different houses. Some may have big entertainment areas and smaller yards; others might have a pool but not a garage. It is important to stay realistic about what you can afford and on which features you are willing to compromise. It is important to invest in a good neighbourhood, as this will always affect the family living there, and it will definitely influence the selling price of the house, should you want to sell it one day.

You should see a maximum of five houses a day. If you take more tours than that, you might get saturated and anxious and that could affect your choice. Seeing five houses or less a day will help you make up your mind naturally and you will instinctively know which house you want to buy.

When your hunting is over and you are left with three or four houses to choose from, go to each one again. Look at everything and ask yourself which one is the most appealing or which ones you can eliminate. Look at all details and possible defects and determine the cost of changing or fixing the house to meet your needs in comparison to buying the perfect home. Take time to think about your decision and remember that buying a house is a very emotional process and you need time to discuss the potential homes with your family.

Remember by choosing us for a loan, you will get professional advice 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

How to start looking for your home

The first step would be to determine what you need and in which area you would like to purchase a home.

Browse through weekly property advertising supplements and other methods of property advertising, such as the Internet, in order to get a good idea of the homes available and the current asking prices in various areas. Drive around areas of your choice to look for properties with “For Sale” signs. Consider the proximity to your place of work, schools, shopping centres, medical facilities, police station, post office, your bank, public transport and other amenities that are important to you.

Speak to friends and relatives about the area or make contact with people living in the chosen area. Find out about issues such as transport, schools and crime or security.

Visit local estate agents and ask about the profile of the suburb, average cost of houses in the area and the future potential of the suburb from an investment point of view.

House hunting can be an exhausting experience. Most of your efforts in homeownership go into this phase, but remember, a well-chosen home is your path to an enjoyable and rewarding homeownership experience.

Remember

Choosing a home is your and your family’s choice alone. Don’t yield to pressure from anyone to purchase a home quickly. You are going to live in your home for a long time, so don’t rush your decision.

Do your calculations and determine up front what you can afford – this way you will also not be disappointed if you find the home of your dreams only to discover that you can’t afford it. Be sure that you only deal with reputable estate agents who are registered members of the Estate Agency Affairs Board. As protection against fraud, you can ask the estate agent for his/her ‘Fidelity Certificate’ as proof.

Remember by choosing us for a loan, you will get professional advice 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