Looking for a new home or home loan?

Mortgage Plus Bond Originators will negotiate with the banks on your behalf to get you the best home loan deal – not only a good rate, but a loan that’s structured to suit your financial situation and future needs. 100% free of charge!

At Mortgage Experts specialise in Mortgages, New Home Loans, First Time Home Buyer Loans, Building Loans, Further Loans, Bond Switches and Commercial Loans.

Furthermore, Mortgage Plus is also rated one of South Africa’s Top Bond Originators.

We know that purchasing a new home, or taking out a mortgage “home loan” 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 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 Mortgage on a property in South Africa

We 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.

It should be noted that Mortgage Plus 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 will find the right deal for you. Guaranteed!

The benefits of using our services:

• 100% Free service – Applicable to Absa Bank, Nedbank, First National Bank and Standard Bank SA
• 20% Discount on attorney fees
• We do the work for you
• High success rate in getting mortgage loans approved
• Save time and money
• Expert Advice
• 11 financial institutions to choose from

What steps are involved?

1. House hunting
2. Sign offer to purchase.
3. Seller accepts offer.
4. Contact MORTGAGE PLUS on 0861 1111 93
5. Financial Institution will confirm requirements.
6. Property Valuation done by bank.
7. Decision taken by bank.
8. Final approval. (Letter of Grant within 4 to 5 days)
9. Registration attorney instructed to attend to the registration.
10. Customer to sign documents at 2 sets of attorneys.
11. Home loan registered in buyers name at Deeds Office.

So, why go anywhere else for your home loan needs!

Sit back and relax while we do the work for you and get you the home loan at a rate that you deserve! Guaranteed!

Attached please find the Home Loan Application Form * - Short Home Loan Application Form

If you would like to speak to a Professional Mortgage Specialist about your lending requirements, please phone Mortgage Plus Bond Originators on:

011.327.4489 / 0861 1111 93

morne@mortgagepluscc.co.za

www.mortgagepluscc.co.za

Get cracking if you want to get into the market.

Prospective homebuyers should accelerate their plans now if they still want to benefit from the “double positive” of low interest rates and low property prices.

“Home values have begun to rise in many parts of the country – and even though the average rate of growth will probably be below the rate of inflation for the next couple of years, this is really of little relevance to first-time buyers,” says Berry Everitt.

“What counts for them is that whichever home they want to buy already costs more than it did last year, and will cost even more next year. The longer they wait, the more difficult it is going to be to get on to that first rung of the property ladder.”

For one thing, he says, every increase in property prices means that the prospective buyer has either to earn more or increase the size of his deposit to qualify for a home loan, even if interest rates stay the same.

“For example, if a home now priced at R500 000 were to increase in value this year by just 5%, the amount needed for a 10% deposit would rise from R50 000 to R55 000. At the same time, the size of the 90% home loan required would rise from R450 000 to R495 000 and the prospective buyer would have to earn about R1 500 more a month to qualify.

Everitt says that while this is a simple example, the principles hold true right across the price spectrum.

“Then there’s the question of interest rates. If imported inflation due to the economic troubles in Europe and the rising oil price causes the Reserve Bank to raise the repo rate, banks will most likely raise their mortgage rates as well, and once again buyers will have to earn more to qualify for loans.

“If the base home loan rate were to rise just one percentage point from 9% to 10%, for example, the buyer of the R500 000 home in our example would immediately need to earn R1 000 a month more to qualify. What is more, the monthly repayment on the loan would rise by around R300, so there would be an ongoing long-term effect on the family’s finances.

In short, he says, if you are an aspirant homeowner, the sooner you put your plans into action, the better.

If you would like to speak to a Professional Mortgage Specialist about your lending requirements, please phone Mortgage Plus Bond Originators on:

Complete this short form online

011.327.4489 / 0861 1111 93

morne@mortgagepluscc.co.za

www.mortgagepluscc.co.za