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	<title>Mortgage &#38; Property Talk SA &#187; mortgage application</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>Home Loan, Mortgage and Bond Originating</title>
		<link>http://mortgagepluscc.co.za/blog/2012/01/home-loan-mortgage-and-bond-originating/</link>
		<comments>http://mortgagepluscc.co.za/blog/2012/01/home-loan-mortgage-and-bond-originating/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 12:30:56 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a wide range of mortgage packages]]></category>
		<category><![CDATA[all mortgage brokers]]></category>
		<category><![CDATA[avoid becoming a victim]]></category>
		<category><![CDATA[bond business]]></category>
		<category><![CDATA[Bond Originator - Morne Prinsloo]]></category>
		<category><![CDATA[choice]]></category>
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		<category><![CDATA[financial institution granting]]></category>
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		<category><![CDATA[fully accredited home loan advisor]]></category>
		<category><![CDATA[home loan business in South Africa]]></category>
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		<category><![CDATA[home loan middlemen]]></category>
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		<category><![CDATA[local home loans]]></category>
		<category><![CDATA[local mortgage broking]]></category>
		<category><![CDATA[lookout for loan sharks]]></category>
		<category><![CDATA[middlemen between banks]]></category>
		<category><![CDATA[mortgage application]]></category>
		<category><![CDATA[mortgage applications]]></category>
		<category><![CDATA[mortgage broker]]></category>
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		<category><![CDATA[New South African Mortgage Broking]]></category>
		<category><![CDATA[Potential customers]]></category>
		<category><![CDATA[process the loan application]]></category>
		<category><![CDATA[Professional Mortgage Service]]></category>
		<category><![CDATA[professional service]]></category>
		<category><![CDATA[responsibilities]]></category>
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		<category><![CDATA[various options]]></category>
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		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=4032</guid>
		<description><![CDATA[Many home loan middlemen are keen to help you choose. Mortgage Plus investigate:
There’s a new finger in the pie. He is the mortgage broker, what you might call a loan ranger. In recent months more than one mortgage broking business has suddenly appeared, bringing a new dimension to home loan business in South Africa. Until [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>First time homeowners mortgages &#124; No deposit needed!</title>
		<link>http://mortgagepluscc.co.za/blog/2012/01/first-time-homeowners-mortgages-no-deposit-needed/</link>
		<comments>http://mortgagepluscc.co.za/blog/2012/01/first-time-homeowners-mortgages-no-deposit-needed/#comments</comments>
		<pubDate>Thu, 12 Jan 2012 07:59:45 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[100% mortgages]]></category>
		<category><![CDATA[104% home loans]]></category>
		<category><![CDATA[apply for a homeloan]]></category>
		<category><![CDATA[apply for a mortgage]]></category>
		<category><![CDATA[buying property]]></category>
		<category><![CDATA[calculated]]></category>
		<category><![CDATA[credit rating needs to be at least]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit score explained]]></category>
		<category><![CDATA[finance a property]]></category>
		<category><![CDATA[financial independence]]></category>
		<category><![CDATA[financial security in future]]></category>
		<category><![CDATA[first-time homeowners]]></category>
		<category><![CDATA[good credit rating]]></category>
		<category><![CDATA[homeowners mortgages]]></category>
		<category><![CDATA[make your mortgage application easier]]></category>
		<category><![CDATA[mortgage application]]></category>
		<category><![CDATA[mortgage approved to finance]]></category>
		<category><![CDATA[no deposit home loans]]></category>
		<category><![CDATA[no more saving for a deposit]]></category>
		<category><![CDATA[self employed]]></category>
		<category><![CDATA[successful mortgage application]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=4011</guid>
		<description><![CDATA[6 Tips for a successful mortgage application
As a young South African, buying property might not be at the forefront of your mind but with interest rates in South Africa relatively low and property prices at a realistic level compared to the recent boom, now is a great time to get onto the property ladder. And [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Loan Applications, Reviews and Client Complements</title>
		<link>http://mortgagepluscc.co.za/blog/2011/10/home-loan-applications-reviews-and-complements-from-clients/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/10/home-loan-applications-reviews-and-complements-from-clients/#comments</comments>
		<pubDate>Tue, 18 Oct 2011 13:35:26 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[advise you]]></category>
		<category><![CDATA[applying for a home loan]]></category>
		<category><![CDATA[approval from First National Bank]]></category>
		<category><![CDATA[arrange suitable finance]]></category>
		<category><![CDATA[assistance in home loans]]></category>
		<category><![CDATA[banks in South Africa]]></category>
		<category><![CDATA[beyond expectations]]></category>
		<category><![CDATA[bond approved]]></category>
		<category><![CDATA[building finance]]></category>
		<category><![CDATA[buying a property]]></category>
		<category><![CDATA[Complements for Mortgage Plus Bond Originators]]></category>
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		<category><![CDATA[different mortgage bond options]]></category>
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		<category><![CDATA[secure a bond]]></category>
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		<category><![CDATA[shop around]]></category>
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		<category><![CDATA[the right home loan]]></category>
		<category><![CDATA[What Our Customers Say]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=3720</guid>
		<description><![CDATA[Home Loan Application Form
When looking for a home loan, we have found 3 things matter to home buyers above all &#8211; getting a bond approved, getting the best rate and getting great service&#8230; and that’s what we focus on.
We have a relationship with all the major banks in South Africa, meaning that we will not [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The best Home loan deals in South Africa &#124; Guaranteed</title>
		<link>http://mortgagepluscc.co.za/blog/2011/08/are-you-looking-for-the-best-home-loan-deal-in-south-africa/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/08/are-you-looking-for-the-best-home-loan-deal-in-south-africa/#comments</comments>
		<pubDate>Wed, 24 Aug 2011 13:31:52 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a new home loan]]></category>
		<category><![CDATA[a new home loan deal]]></category>
		<category><![CDATA[application for a home loan]]></category>
		<category><![CDATA[apply for finance]]></category>
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		<category><![CDATA[different bond options]]></category>
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		<category><![CDATA[Highest home loan success rate]]></category>
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		<category><![CDATA[online application service]]></category>
		<category><![CDATA[South Africa’s bond originator]]></category>
		<category><![CDATA[South Africa’s leading online bond originator]]></category>
		<category><![CDATA[start your home loan application]]></category>
		<category><![CDATA[www.bondchoices.co.za]]></category>
		<category><![CDATA[www.easterncapehomeloans.co.za]]></category>
		<category><![CDATA[www.freestatehomeloans.co.za]]></category>
		<category><![CDATA[www.gautenghomeloans.co.za]]></category>
		<category><![CDATA[www.kwazulunatalhomeloans.co.za]]></category>
		<category><![CDATA[www.limpopohomeloans.co.za]]></category>
		<category><![CDATA[www.mpumalangahomeloans.co.za]]></category>
		<category><![CDATA[www.northerncapehomeloans.co.za]]></category>
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		<category><![CDATA[www.westerncapehomeloans.co.za]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=3496</guid>
		<description><![CDATA[
The best Home loan deal in South Africa &#8211; 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 [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2011/08/are-you-looking-for-the-best-home-loan-deal-in-south-africa/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to qualify for a Home Loan in South Africa</title>
		<link>http://mortgagepluscc.co.za/blog/2011/01/how-to-qualify-for-a-home-loan-in-south-africa/</link>
		<comments>http://mortgagepluscc.co.za/blog/2011/01/how-to-qualify-for-a-home-loan-in-south-africa/#comments</comments>
		<pubDate>Mon, 17 Jan 2011 10:32:09 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a clean credit record]]></category>
		<category><![CDATA[affordable property]]></category>
		<category><![CDATA[applicants are declined]]></category>
		<category><![CDATA[applying for a]]></category>
		<category><![CDATA[applying for a Absa loan]]></category>
		<category><![CDATA[applying for a better interest rate]]></category>
		<category><![CDATA[Applying for a Building Loan]]></category>
		<category><![CDATA[applying for a Debt Consolidation loan]]></category>
		<category><![CDATA[applying for a first a first time home loan]]></category>
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		<category><![CDATA[applying for a Further Loan]]></category>
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		<category><![CDATA[before applying]]></category>
		<category><![CDATA[Before approaching your bank for a mortgage]]></category>
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		<category><![CDATA[national credit act]]></category>
		<category><![CDATA[qualify]]></category>
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		<category><![CDATA[the best home loan deal]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=2643</guid>
		<description><![CDATA[How To Qualify For A Mortgage Loan
Since the National Credit Act was implemented and the start of the global economic crisis it has become more difficult to qualify for a mortgage loan from your bank, to qualify for a mortgage loan your bank will require that you meet the following criteria:

Have a stable steady income [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Best Home loan advice for First-Time Buyers</title>
		<link>http://mortgagepluscc.co.za/blog/2010/07/the-best-home-loan-advice-for-first-time-buyers/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/07/the-best-home-loan-advice-for-first-time-buyers/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 10:03:31 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[a good property]]></category>
		<category><![CDATA[Advice for First-Time Buyers]]></category>
		<category><![CDATA[afford]]></category>
		<category><![CDATA[affordability calculator]]></category>
		<category><![CDATA[application]]></category>
		<category><![CDATA[application forms explained]]></category>
		<category><![CDATA[applying for your first bond]]></category>
		<category><![CDATA[applying for your first home loan]]></category>
		<category><![CDATA[applying for your first mortgage]]></category>
		<category><![CDATA[better bargains]]></category>
		<category><![CDATA[Bond advice]]></category>
		<category><![CDATA[bond calculators]]></category>
		<category><![CDATA[bond features]]></category>
		<category><![CDATA[bond solution]]></category>
		<category><![CDATA[buy a property]]></category>
		<category><![CDATA[Choose a home loan]]></category>
		<category><![CDATA[critical advice on buying a house]]></category>
		<category><![CDATA[financing your new property]]></category>
		<category><![CDATA[First time buyer bonds]]></category>
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		<category><![CDATA[First-Time Buyers Mortgages]]></category>
		<category><![CDATA[first-time homebuyer in SA]]></category>
		<category><![CDATA[fixed rate home loan]]></category>
		<category><![CDATA[Home Loan advice]]></category>
		<category><![CDATA[Home Loan Affordability Calculator]]></category>
		<category><![CDATA[home loan instalments]]></category>
		<category><![CDATA[home loan requirements]]></category>
		<category><![CDATA[home loan requirements of first-time homebuyers]]></category>
		<category><![CDATA[home loan that best suits your needs]]></category>
		<category><![CDATA[If you’re a first-time buyer]]></category>
		<category><![CDATA[Informed buyers]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[investment potential]]></category>
		<category><![CDATA[loan requirements]]></category>
		<category><![CDATA[mortgage advice]]></category>
		<category><![CDATA[mortgage application]]></category>
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		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1983</guid>
		<description><![CDATA[Home loan advice for first-time buyers
Looking to buy your first house, flat, or other type of residential property? Be sure to read on for some critical advice on buying a house and applying for your first home loan…
Do your homework properly &#8211; www.propertymax.co.za
Informed buyers get better bargains. If you familiarise yourself with the property market [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How are Mortgages, Bonds and Home Loans Approved?</title>
		<link>http://mortgagepluscc.co.za/blog/2010/01/how-are-mortgages-bonds-and-home-loans-approved/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/01/how-are-mortgages-bonds-and-home-loans-approved/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 10:00:30 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[additional finance]]></category>
		<category><![CDATA[additional finance on your home loan]]></category>
		<category><![CDATA[applying for a mortgage]]></category>
		<category><![CDATA[calculating your affordability]]></category>
		<category><![CDATA[Click Here]]></category>
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		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1165</guid>
		<description><![CDATA[
Lenders will take the following into account with every mortgage application.
INCOME
When applying for a mortgage, lenders will look at your total income before any deductions (gross income) to access if you would be able to afford the mortgage payments. Lenders will consider the following as income:
-Salaries &#38; Wages
-Regular Incentives
-Investment Income
-Retirement Income
-Regular Commissions
-Rental Income
CREDIT HISTORY
To qualify [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Afford a Mortgage and Hidden Costs in a Mortgage</title>
		<link>http://mortgagepluscc.co.za/blog/2010/01/how-to-afford-a-mortgage-and-hidden-costs-in-a-mortgage/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/01/how-to-afford-a-mortgage-and-hidden-costs-in-a-mortgage/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 09:45:10 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[artificially low rates]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[best interest rate]]></category>
		<category><![CDATA[bond registration fees]]></category>
		<category><![CDATA[conflict of interest]]></category>
		<category><![CDATA[cost estimate]]></category>
		<category><![CDATA[cost to the client]]></category>
		<category><![CDATA[costs associated with a mortgage]]></category>
		<category><![CDATA[Credit Problems]]></category>
		<category><![CDATA[Credit scores]]></category>
		<category><![CDATA[credit-reporting]]></category>
		<category><![CDATA[declaring bankruptcy]]></category>
		<category><![CDATA[estate agency]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[financial institution]]></category>
		<category><![CDATA[Hidden Costs in a Mortgage]]></category>
		<category><![CDATA[hidden fees]]></category>
		<category><![CDATA[higher interest rates]]></category>
		<category><![CDATA[How to Afford a Mortgage]]></category>
		<category><![CDATA[independence]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[loan application]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage application]]></category>
		<category><![CDATA[mortgage companies]]></category>
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		<category><![CDATA[Trans Union]]></category>
		<category><![CDATA[valuation]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1162</guid>
		<description><![CDATA[
Hidden Costs in a Mortgage
 
Most every loan is going to have associated with it fees for insurance, valuation, etc. Most of these fees are commonly required amongst all lenders and they must give you a list of their costs associated with a mortgage. Despite the fact that the costs are disclosed, some lenders may include [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/01/how-to-afford-a-mortgage-and-hidden-costs-in-a-mortgage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to manage your credit score and buy property.</title>
		<link>http://mortgagepluscc.co.za/blog/2010/01/how-to-manage-your-credit-score-and-buy-property/</link>
		<comments>http://mortgagepluscc.co.za/blog/2010/01/how-to-manage-your-credit-score-and-buy-property/#comments</comments>
		<pubDate>Sun, 03 Jan 2010 16:16:16 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[application]]></category>
		<category><![CDATA[apply for a home loan]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[Before you put in an offer]]></category>
		<category><![CDATA[bond originator]]></category>
		<category><![CDATA[Build a track record]]></category>
		<category><![CDATA[buy a property]]></category>
		<category><![CDATA[buy property]]></category>
		<category><![CDATA[Cancel out of date credit cards]]></category>
		<category><![CDATA[Community of Property]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit status]]></category>
		<category><![CDATA[Ensure details are the truth]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[get pre-qualified]]></category>
		<category><![CDATA[global credit crisis]]></category>
		<category><![CDATA[higher interest rates]]></category>
		<category><![CDATA[hpme loan application form]]></category>
		<category><![CDATA[Include additional information]]></category>
		<category><![CDATA[ITC]]></category>
		<category><![CDATA[lending rates]]></category>
		<category><![CDATA[Mary Jane Lefevre]]></category>
		<category><![CDATA[mortgage and home loan application]]></category>
		<category><![CDATA[mortgage application]]></category>
		<category><![CDATA[origination company]]></category>
		<category><![CDATA[prequalifyingcredit environment]]></category>
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		<category><![CDATA[Sever old relationships]]></category>
		<category><![CDATA[To get pre-qualified - Click Here]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=1122</guid>
		<description><![CDATA[
How to manage your credit score and buy property
Weak economic conditions, higher interest rates and the global credit crisis have forced banks to be far more picky about who they will lend money and less generous with their lending rates.
But Mary Jane Lefevre, said that before you apply for a home loan, there are steps [...]]]></description>
		<wfw:commentRss>http://mortgagepluscc.co.za/blog/2010/01/how-to-manage-your-credit-score-and-buy-property/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HOME LOANS REJECTED, THE SA HOUSING MARKET AND THE GREAT DEPRESSION</title>
		<link>http://mortgagepluscc.co.za/blog/2009/05/home-loans-rejected-the-sa-housing-market-and-the-great-depression/</link>
		<comments>http://mortgagepluscc.co.za/blog/2009/05/home-loans-rejected-the-sa-housing-market-and-the-great-depression/#comments</comments>
		<pubDate>Wed, 13 May 2009 08:24:22 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[Home Loan Tips for South African's]]></category>
		<category><![CDATA[ABSA banks Securitised loans]]></category>
		<category><![CDATA[bond criteria]]></category>
		<category><![CDATA[home loan application]]></category>
		<category><![CDATA[home loan criteria]]></category>
		<category><![CDATA[HOME LOANS REJECTED]]></category>
		<category><![CDATA[house prices]]></category>
		<category><![CDATA[mortgage application]]></category>
		<category><![CDATA[mortgage bond application]]></category>
		<category><![CDATA[mortgage criteria]]></category>
		<category><![CDATA[national credit act]]></category>
		<category><![CDATA[nca]]></category>
		<category><![CDATA[SA HOUSING MARKET]]></category>

		<guid isPermaLink="false">http://mortgagepluscc.co.za/blog/?p=385</guid>
		<description><![CDATA[
Yes, it’s a BIG title, because it’s BIG news and many people are talking about it. 61.2% of all home loan application were turned down in February 2009. This lies a heavy burden on the housing market which seems to be in recession and that’s what we’ll discuss today.












Firstly I’ve included the graph to indicate [...]]]></description>
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		<slash:comments>2</slash:comments>
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