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	<title>Bond Originators and Mortgage Experts &#187; Loan-to-Value ratio</title>
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	<link>http://mortgagepluscc.co.za/blog</link>
	<description>South Africa&#039;s Leading Bond Originator and Mortgage Expert Blog !</description>
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		<title>What to Consider before Seeking a New Home Loan</title>
		<link>http://mortgagepluscc.co.za/blog/2011/04/what-to-consider-before-seeking-a-new-home-loan/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/04/what-to-consider-before-seeking-a-new-home-loan/#comments</comments>
		<pubDate>Wed, 20 Apr 2011 08:56:37 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[100% loans are available]]></category>
		<category><![CDATA[a bond originator]]></category>
		<category><![CDATA[a fixed rate bond]]></category>
		<category><![CDATA[A fixed rate mortgage]]></category>
		<category><![CDATA[able]]></category>
		<category><![CDATA[afford]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[amount]]></category>
		<category><![CDATA[apply]]></category>
		<category><![CDATA[apply for a fixed interest rate bond]]></category>
		<category><![CDATA[arranging a home loan]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[banks home loan criteria]]></category>
		<category><![CDATA[Banks']]></category>
		<category><![CDATA[best]]></category>
		<category><![CDATA[bond]]></category>
		<category><![CDATA[bond originator]]></category>
		<category><![CDATA[bond re-payment]]></category>
		<category><![CDATA[bond registration fees]]></category>
		<category><![CDATA[borrow]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[calculating]]></category>
		<category><![CDATA[chosen bond originator]]></category>
		<category><![CDATA[consider]]></category>
		<category><![CDATA[costs]]></category>
		<category><![CDATA[credit]]></category>
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		<category><![CDATA[Fixed interest rate options on Home Loans]]></category>
		<category><![CDATA[fixed rate option]]></category>
		<category><![CDATA[fixing the interest rate]]></category>
		<category><![CDATA[free home loan submission]]></category>
		<category><![CDATA[getting your deal approved]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[home buyers]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[home loan approval]]></category>
		<category><![CDATA[home loan lenders]]></category>
		<category><![CDATA[home loan paperwork]]></category>
		<category><![CDATA[home loan repayment]]></category>
		<category><![CDATA[how]]></category>
		<category><![CDATA[Interest]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[leading bond originators]]></category>
		<category><![CDATA[legal costs]]></category>
		<category><![CDATA[lender or bond originator]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[Loan-to-Value ratio]]></category>
		<category><![CDATA[monthly]]></category>
		<category><![CDATA[monthly repayments]]></category>
		<category><![CDATA[monthly repayments afford]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[most]]></category>
		<category><![CDATA[multiple banks]]></category>
		<category><![CDATA[new homebuyers]]></category>
		<category><![CDATA[originator]]></category>
		<category><![CDATA[pre-qualification process]]></category>
		<category><![CDATA[pre-qualified]]></category>
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		<category><![CDATA[Property]]></category>
		<category><![CDATA[rate]]></category>
		<category><![CDATA[repayment to income]]></category>
		<category><![CDATA[South African homebuyers]]></category>
		<category><![CDATA[specialise]]></category>
		<category><![CDATA[sufficient disposable income]]></category>
		<category><![CDATA[The bond originator]]></category>
		<category><![CDATA[the home buying process]]></category>
		<category><![CDATA[the property ladder]]></category>
		<category><![CDATA[transfer duty]]></category>
		<category><![CDATA[very]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=3163</guid>
		<description><![CDATA[Buying a home is often the single biggest investment most people make. As a result it is essential for home buyers to ensure they are fully prepared before getting on to the property ladder. South Africa&#8217;s leading bond originators, answers ten questions  for new homebuyers to consider:
1.      How much can I afford to spend on [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>First time buyers &#124; Advice on how to get a mortgage approved.</title>
		<link>http://mortgagepluscc.co.za/blog/2010/10/first-time-buyers-advice-on-how-to-get-a-mortgage-approved/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/10/first-time-buyers-advice-on-how-to-get-a-mortgage-approved/#comments</comments>
		<pubDate>Mon, 18 Oct 2010 10:56:23 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a statement of assets]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[answers]]></category>
		<category><![CDATA[apply for]]></category>
		<category><![CDATA[approach multiple banks]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[bank statements]]></category>
		<category><![CDATA[banks criteria]]></category>
		<category><![CDATA[bigger deposit]]></category>
		<category><![CDATA[bond applications]]></category>
		<category><![CDATA[bond registration fees]]></category>
		<category><![CDATA[borrow]]></category>
		<category><![CDATA[budgeted]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[calculate the transfer and registration costs]]></category>
		<category><![CDATA[calculating]]></category>
		<category><![CDATA[credit profile]]></category>
		<category><![CDATA[criteria]]></category>
		<category><![CDATA[determining what you can afford]]></category>
		<category><![CDATA[exact costs]]></category>
		<category><![CDATA[facilitating bond negotiations]]></category>
		<category><![CDATA[financial situation]]></category>
		<category><![CDATA[first step]]></category>
		<category><![CDATA[first time buyers' FAQs]]></category>
		<category><![CDATA[first-time home buyer]]></category>
		<category><![CDATA[fix your interest rate]]></category>
		<category><![CDATA[Fixed rates]]></category>
		<category><![CDATA[get the best interest rate]]></category>
		<category><![CDATA[help you]]></category>
		<category><![CDATA[home loan criteria]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[insolvent]]></category>
		<category><![CDATA[legal costs]]></category>
		<category><![CDATA[lending funds]]></category>
		<category><![CDATA[less hassle and minimal paperwork]]></category>
		<category><![CDATA[liabilities]]></category>
		<category><![CDATA[loan amount]]></category>
		<category><![CDATA[loan documentation required]]></category>
		<category><![CDATA[Loan-to-Value ratio]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[monthly repayments]]></category>
		<category><![CDATA[multiple lenders]]></category>
		<category><![CDATA[negotiating the best]]></category>
		<category><![CDATA[negotiating the best deal]]></category>
		<category><![CDATA[net disposable income]]></category>
		<category><![CDATA[new home]]></category>
		<category><![CDATA[New Home Loans in South Africa]]></category>
		<category><![CDATA[obtain fast approval]]></category>
		<category><![CDATA[paying a deposit]]></category>
		<category><![CDATA[positive outcome]]></category>
		<category><![CDATA[potential first time buyers]]></category>
		<category><![CDATA[Prequalification]]></category>
		<category><![CDATA[properties]]></category>
		<category><![CDATA[provides bond answers]]></category>
		<category><![CDATA[provides home loan answers]]></category>
		<category><![CDATA[provides mortgage answers]]></category>
		<category><![CDATA[purchase price]]></category>
		<category><![CDATA[residential property market]]></category>
		<category><![CDATA[salary slips]]></category>
		<category><![CDATA[save you thousands]]></category>
		<category><![CDATA[self employed]]></category>
		<category><![CDATA[service is free to homebuyers]]></category>
		<category><![CDATA[services of a bond originator]]></category>
		<category><![CDATA[shop around]]></category>
		<category><![CDATA[Shopping around]]></category>
		<category><![CDATA[Should I use a bond originator?]]></category>
		<category><![CDATA[submit to the bank]]></category>
		<category><![CDATA[the best rate]]></category>
		<category><![CDATA[the latest]]></category>
		<category><![CDATA[transfer duty]]></category>
		<category><![CDATA[upfront costs]]></category>
		<category><![CDATA[variable rates]]></category>
		<category><![CDATA[your bond originator]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=2354</guid>
		<description><![CDATA[First time buyers&#8217; FAQs
With the recovery in the residential property market looking set to continue, an increasing number of potential first time buyers are considering making what will be the largest purchase of their lives so far.
Craig Deats, provides answers to some of the most commonly asked questions by these first-time buyers:
How much can I [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/10/first-time-buyers-advice-on-how-to-get-a-mortgage-approved/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Terminology &#8211; New Home Loans in South Africa</title>
		<link>http://mortgagepluscc.co.za/blog/2010/02/terminology-new-home-loans-in-south-africa/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/02/terminology-new-home-loans-in-south-africa/#comments</comments>
		<pubDate>Thu, 25 Feb 2010 11:58:03 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[Access Bond Facility]]></category>
		<category><![CDATA[Agreement of Sale]]></category>
		<category><![CDATA[Annual Premium]]></category>
		<category><![CDATA[apply for a loan]]></category>
		<category><![CDATA[arranges financing for borrowers]]></category>
		<category><![CDATA[Assessment]]></category>
		<category><![CDATA[Assessment Fee]]></category>
		<category><![CDATA[Attorney]]></category>
		<category><![CDATA[BA Linked Rate]]></category>
		<category><![CDATA[Balance Sheet]]></category>
		<category><![CDATA[bond]]></category>
		<category><![CDATA[Bond Costs]]></category>
		<category><![CDATA[bond registered]]></category>
		<category><![CDATA[Bond Term]]></category>
		<category><![CDATA[borrower creditworthiness]]></category>
		<category><![CDATA[borrowing money]]></category>
		<category><![CDATA[Building Contract]]></category>
		<category><![CDATA[Buyer's Market]]></category>
		<category><![CDATA[Capped Rate]]></category>
		<category><![CDATA[Ceiling]]></category>
		<category><![CDATA[collateral]]></category>
		<category><![CDATA[Contract of Sale]]></category>
		<category><![CDATA[conveyance's fees]]></category>
		<category><![CDATA[Cooling off period]]></category>
		<category><![CDATA[Credit Bureau]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[creditworthiness]]></category>
		<category><![CDATA[Deeds Office Registration Fees]]></category>
		<category><![CDATA[estate agent]]></category>
		<category><![CDATA[first mortgage]]></category>
		<category><![CDATA[fixed rate for three months]]></category>
		<category><![CDATA[Freehold]]></category>
		<category><![CDATA[Grace Period]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[home loan amount]]></category>
		<category><![CDATA[home loan application]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home owners insurance]]></category>
		<category><![CDATA[Installment amount]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[Loan-to-Value ratio]]></category>
		<category><![CDATA[minimum supporting documentation]]></category>
		<category><![CDATA[monthly installment amount]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage bond]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage company]]></category>
		<category><![CDATA[Mortgagor]]></category>
		<category><![CDATA[Occupational Rental]]></category>
		<category><![CDATA[offer to purchase]]></category>
		<category><![CDATA[Power of Attorney]]></category>
		<category><![CDATA[Pre-approval]]></category>
		<category><![CDATA[pre-qualification]]></category>
		<category><![CDATA[prospective borrower]]></category>
		<category><![CDATA[Purchase Agreement]]></category>
		<category><![CDATA[Registration Attorney]]></category>
		<category><![CDATA[Registration mortgage bond]]></category>
		<category><![CDATA[second bonds]]></category>
		<category><![CDATA[second Home Loan]]></category>
		<category><![CDATA[Second Mortgage]]></category>
		<category><![CDATA[sectional title]]></category>
		<category><![CDATA[Stamp Duty]]></category>
		<category><![CDATA[transferring attorney]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1248</guid>
		<description><![CDATA[
Access Bond Facility &#8211; This allows you to deposit and draw funds from your home loan up to a set amount.
Agreement of Sale / Offer to Purchase &#8211; Contract is signed by a buyer and seller stating the terms and conditions under which the property will be sold
Annual Premium &#8211; This is the premium payable [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/02/terminology-new-home-loans-in-south-africa/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>First Time Home Buyer &#124; First Time Home Loans and Mortgages</title>
		<link>http://mortgagepluscc.co.za/blog/2010/01/first-time-home-buyer-first-time-home-loans-and-mortgages/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/01/first-time-home-buyer-first-time-home-loans-and-mortgages/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 08:24:02 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[all costs included]]></category>
		<category><![CDATA[apply for your Loan]]></category>
		<category><![CDATA[approved for a larger loan]]></category>
		<category><![CDATA[bank statements]]></category>
		<category><![CDATA[body corporation financials]]></category>
		<category><![CDATA[credit clear history]]></category>
		<category><![CDATA[first property]]></category>
		<category><![CDATA[first-time home buyer]]></category>
		<category><![CDATA[general requirements]]></category>
		<category><![CDATA[home loan amounts]]></category>
		<category><![CDATA[home loan application]]></category>
		<category><![CDATA[included in your bond amount]]></category>
		<category><![CDATA[judgments or defaults]]></category>
		<category><![CDATA[Loan-to-Value ratio]]></category>
		<category><![CDATA[looking to purchase]]></category>
		<category><![CDATA[minimum salary requirements]]></category>
		<category><![CDATA[monthly installment]]></category>
		<category><![CDATA[monthly salary]]></category>
		<category><![CDATA[purchase your first home]]></category>
		<category><![CDATA[qualify for a home loan]]></category>
		<category><![CDATA[qualify for home loan finance]]></category>
		<category><![CDATA[registration of your bond]]></category>
		<category><![CDATA[SA citizenship]]></category>
		<category><![CDATA[secure a home loan]]></category>
		<category><![CDATA[self employed]]></category>
		<category><![CDATA[Six months permanently employed]]></category>
		<category><![CDATA[Transfer duty fees]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1144</guid>
		<description><![CDATA[
INTRODUCTION:
A first-time home buyer is someone, looking to purchase their first property or home. But before you’re able to purchase your first home you’ll need to secure a home loan.
In many cases a monthly installment on a home loan is more or less the same as a rental payment on a lease contract. The only [...]]]></description>
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		<slash:comments>1</slash:comments>
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