Contacting a Bond Originator to do your home loan rather than trying to go directly through to the Banks

Before you apply for a loan, it might be best to contact a bond originator like Morne Prinsloo the (CEO) at Mortgage Plus cc that will negotiate the terms of the loan to ensure that you get the best possible deal. Applying for a home loan / mortgage on your own might be a complex and tricky task and a bond originator can assist you in speeding up this process and raising your chances of having the loan approved in a very short amount of time.

Mortgage Plus Bond originators provide an invaluable service to the South African public when it comes to applying for a home loan. We will be able to assist you in making a sound financial decision regarding your future by helping you choose a loan that is practical and affordable and helping you to avoid the common pitfalls of applying for and accepting the first mortgage loan that comes along. Obtaining the perfect home loan for your financial situation takes careful consideration and knowledge of the home loan and financial industry in South Africa, you can obtain all of this by contacting Morne Prinsloo a bond originator at Mortgage Plus on 0861 1111 93 before applying for your loan.

A bond originator like Morne Prinsloo plays an important role when it comes to applying for a home loan. A large percentage of all home loans in South Africa are generated through this system because they assist with the entire process, from start to finish. Morne will apply for a home loan at many banks and negotiate low interest rates on your behalf and with no costs to you.

At Mortgage Plus Bond Originators we know everything there is to know about home loans and can become a vital link between the bank and you. They will submit your application to many banks and will usually do business with those that offer the applicant the lowest interest rates. In turn, they receive a fee from the Home Loan Department of the bank for bringing them new business.

Banks are becoming more bureaucratic these days because of the economic downturn in the world. In this regard, they will usually require a mountain of paperwork and a motivation as to why they should lend you the money. Mortgage Plus Bond Originators is aware of this and can ensure that you send in the correct documentation such as bank statements and a payslips, together with your application.

Mortgage Plus is a well-established originator company that is linked via the internet to all the major banks, we are able to see on the system how far your application has progressed and we are also able to find out the reasons for delays or why an application was declined by speaking to the right people.

Another important aspect of using a bond originator like Mortgage Plus is to help you pre-assess your finances to ascertain whether you are likely to qualify for a loan. We will also help you calculate the maximum amount you can apply for by taking into consideration your income status. They do this by calculating assets and liabilities, together with your monthly expenditure. Once all these factors have been considered, then an accurate assessment can be made on the amount of money you can apply for at a bank.

The thrill of buying a new home is not easily matched and many people lose their focus when it comes to financing the property. Additionally, if more than one person makes an offer on the home then you stand a great chance of losing out because you are not using an originator like Morne to speed up the process.

A Mortgage Plus bond originator will continue assisting you with all the legalities until you become the official new homeowner.

If you would like to know more about your home loan services and mortgage requirements please phone us on:

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

011.327.4489 / 0861 1111 93

morne@mortgagepluscc.co.za

www.mortgagepluscc.co.za

Professional Lending Specialists “Bond Originators” vs. Bank?

Many potential home owner clients ask us why they would consider using us as opposed to going directly to the Bank themselves.

This is a fair question if you ask me, so this Fact sheet will hope fully clarify this for you.

Years ago everyone went to a bank, no questions asked, there really was not an alternative. The problem was that if one bank could not help you, you would have to visit bank after bank until you found one that could. Even then, how could you really know whether you were getting the best deal in the market?

Then along came Bond Originators “Mortgage Plus”. This was fantastic, as it also bought about significant competition into the heavily, big bank dominated market. This ultimately resulted in far more competitive pricing for all clients.

A  Bond Originator like Mortgage Plus is essentially a professional lending specialist who looks through all of the different lenders possible products and finds two to three home loans that are not only the most competitive available from all the major home loan lenders in South Africa, but also ensures that all the home loan features and benefits that you require are included in the selection.

Ultimately, you make the decision, however you know that the decision is based on your own parameters, and represents the most suitable and competitive mortgage loans available from a large pool of lenders.

Myth: The most significant myth that exists is the fear that you are paying more to use a Professional Lending Specialist like Mortgage Plus than you would by going to the bank directly. That simply is not true! The Lending Specialist earns their commission from the bank, not from you the client.

Making it Easy!

Remember when you had your own bank manager that you could call to help you when you needed some extra funds on top of your home loan to put that pool in, or to buy that investment property? Relationships were paramount, and you returned to that person time and again as they looked after you. Now it is very rare to have that kind of relationship from a bank.

A Professional Lending Specialist like Morne Prinsloo – 079 047 5172 can build that relationship with you and manage several lending relationships between several banks. For some investors for instance, they do not want all of their eggs in one basket, and having the same contact point for all of their home loan facilities is a very convenient way of managing their home loan portfolios.

We help you complete all of the necessary paper work, take the stress out of the home loan application by managing the bond application through credit and as we know the lending policies of each lender, ensure that the home loan is submitted with everything required to make it a smooth process.

So why choose a Professional Lending Specialist over a bank?

• We specialise in Home Loans – That is all we do!
• Significant experience in the position
• You the client are the boss, not the bank
• You can build a long term relationship with the same home loan specialist
• We have access to all of the mortgage options from most lenders in throughout South Africa
• Flexible, we can work in with you to make it happen.
• We own our own business, so we need to make sure you have a great home loan / mortgage experience.

Remember, we are professionals with many years experience in the home finance industry, and our business is all about giving you total satisfaction. We understand how banks think, and therefore take the stress out of dealing with them directly. We become your personal bank manager with the lender to ensure that your experience is a great one.

We are also here for you when you need to ask a question. Anytime!

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