Home Loan Application Form

When looking for a home loan, we have found 3 things matter to home buyers above all – getting a bond approved, getting the best rate and getting great service… and that’s what we focus on.

We have a relationship with all the major banks in South Africa, meaning that we will not only advise you on what loans are available and best suit your needs, but we’ll also be able to shop around to try and get the best deal possible…all with the minimum effort from you and best of all our service is 100% free.

We’re here to help you through the whole process, from pre-qualification to final registration of the bond.

What Our Customers Say:

Mortgage Plus “Morne Prinsloo”  has proven himself as an incredibly competent and a knowledgeable bond originator. He performed above and beyond expectations in what was a complicated mortgage application, and made the process straight forward and as comfortable as possible. My family and I owe a great deal to Morne’s professionalism and patience.

Again

THANK YOU.

Jason Hiddlestone

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Hi Morne. Thank you for your assistance with our home loan application and your swift response to our needs. Your services were greatly appreciated and we would highly recommend you to future clients. We look forward to working with you in the future regarding all our finance needs.

Regards,

Peter Simon

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I was very fortunate in being introduced to Morne Prinsloo, as he provided me with sound and professional home loan advice. He was always readily available to contact and capable of answering ALL the questions I threw at him (and there were many!!!). Thanks again for your help

Anne-Marie Andrews

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We have recently had dealings with Morne through Mortgage Plus Bond Originators in arranging a building finance for our new house in Krugersdorp. We would have no hesitation in recommending Morne to anyone requiring the services of a mortgage originator. Morne’s knowledge was good and all queries were promptly answered. Once finance was organized, there were follow-up calls to make sure everything was progressing smoothly. Even after making our third progress payment to the builder, Morne still rang to see if everything was going smoothly.

Sandra Douglass

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Hello Morne,

Thank you very much for all your help in getting the loan, in fact two loans. You selected the right package and you made us feel as if we are your only customers. We appreciate your following up on every aspect of document collection and completion of all necessary documentation in order to get loan approval without delays. Thank you for keeping us informed every step of the way and explaining the many issues that we avoided thanks to your expertise and commitment to succeed the first time.

Thank you again and kindest regards,

Tresia Du Plessis

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Being first home buyers, the process of finding the right home loan and bank was a very daunting prospect. We were recommended the services of Mr Morne Prinsloo from Mortgage Plus. Morne made himself available at times that suited us and explained our options in an easy to understand fashion. From our initial meeting all the way through the application and registration process, and even once we had moved into our home, Morne was always happy to help. He was available to answer any questions we had and ensured we were comfortable with every aspect of our new home loan. It is no exaggeration to say that without Morne we could not have done this ourselves. We would highly recommend utilizing his services to take the stress and pressure out of finding and applying for a home loan.

Thank you Morne!

Amelia Williams

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Dear Morne,

I am normally a very busy person and do not have much time to search through various finance organizations to find out which one could offer me best finance options. With your help, I was able to do just that within the comfort of my home. We accessed many different options easily by utilizing your website ( www.mortgagepluscc.co.za ) and comparing them to decide which one would suit me best.

But my appreciation did not stop there. After locating the right Home Loan for me, you followed up all the steps leading up to the registration, reminding me some steps that I forgot to follow. You also had a discussion with my financing organization and convinced them to waive the early payment fee of my existing loan (which saved me R7800).

It was your professionalism, attention to detail, and very friendly manners that helped the whole process turn into an easy and manageable experience for us.

I would not hesitate to recommend your services to anyone who is in the process of buying a property and trying to arrange suitable finance. Thanks again for your excellent support and the time you dedicated to us.

Ms. Johanna Setlhogole

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The purchase of our first home was made possible thanks to Mortgage Plus “Morne” and his hard work. Purchasing your first home can be quite daunting, however Morne explained the whole process thoroughly (and many times) to ensure we were well educated and equipped to handle all that came with this process. He was always available to help with any enquiries and promptly addressed any issues that arose. Everything was completed in a timely manner and with great diligence. We are now living the great South African dream thanks to all his hard work!!!

Craig and Pauline

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Morne was very prompt in getting back to me after my initial website inquiry about a reverse mortgage. I was acting on behalf of my aged father in trying to secure a bond. I found Morne to be very knowledgeable in the subject of reverse mortgages, and prompt in his follow up of my subsequent enquiries once I decided to apply. Morne made sure I understood all the detail of the loan and advised all the documentation and processes required to ensure prompt loan approval from First National Bank.

Regards,

Kevin Koen

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Hello Mr Prinsloo. I have just returned from the bank, and everything is now organised and under control.

Thank you so much for being so available, and so willing to give wise advice.

I could not have gone through this experience without you.

My funds will be available for access by Thursday, and the credit card will be the first victim!!!

Kind regards

Adrienne Smalberger

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I found you via Remax Real estate when I was looking for a house to call my own.

You have been very courteous, helpful & prompt in your service all along, thanks heaps.

I will definitely recommend you to anyone I know who requires help with their loan application.

Wishing that you are happy, healthy, & prosperous always.

Dr Dorfling

Please contact us if you require any further information or would like to apply for finance:

Complete this short form online

011.327.4489 / 0861 1111 93

morne@mortgagepluscc.co.za

www.mortgagepluscc.co.za

Purchasing a home and registering a bond can be quite confusing. However with Mortgage Plus, your consultant will simplify the process, keeping you informed throughout the property transfer and will be on hand to give you professional advice until the day you move into your new home.

Here are some pointers that describe the house buying process and your involvement in it, as well as give you insight into some of the behind the scenes activities.

Assess your financial position

As buying, a property can be the biggest purchase you make in your lifetime, assess your financial position first, and make sure you are ready for this commitment.

See how much you can afford

It’s very important to know exactly what you can afford before you start house hunting. Mortgage Plus can offer you a free affordability assessment. We will also explain all the costs involved in buying a home, including up-front payments, monthly repayments and any other costs that may occur as a part of the property transaction. Follow the guide on the Cost of Financing a Home page to obtain an understanding of the costs involved in buying a home. It is important as the new National Credit Act wants to ensure you do not overspend and we can assist with a basic guideline on how to calculate the loan amount you can afford to repay monthly.

Choose an agent and view properties

Register with a few agents to ensure you are exposed to a variety of properties in your chosen area. Visit a number of homes before you make a decision. A Mortgage Plus consultant can assist you in finding a suitable agent in your area and will explain the different ownership options to you.

Sign an Offer to Purchase

Once you have decided on a property and signed an Offer to Purchase and the seller has accepted the offer and signed the document, the offer becomes binding by law and the transfer process can begin. There is however a cooling off period of 5 days for properties which are sold for less than R 250 000, to allow you a grace period to review the property and the costs involved.

Obtain finance through Mortgage Plus

Your Mortgage Plus consultant will submit your application and the relevant FICA documents to one or more banks, which will assess the value of the property as well as your financial position. The bank will apply the credit assessment criteria as required by the National Credit Act and the financial risk criteria as stipulated in the bank’s terms and conditions for lending.

Your Mortgage Plus consultant will then advise you of the offers they have obtained for interest rate and available loan amount, and will give you an informed recommendation.

Pay your deposit

Once you have chosen a bank, you will then (in most cases) be expected to pay your deposit to the attorneys dealing with the registration of your bond.

The property transfer begins

The bank will grant the loan and instruct the attorneys to start with the registration of the bond and transfer of the property into your name, as well as the cancellation of the seller’s bond. They will also obtain the title deeds and the transfer and tax clearance certificates. Registration, transfer and cancellation take place simultaneously and require the services of up to three different specialised attorneys.

Transfer documents signed and fees paid

The attorneys will complete the necessary administration. You and the seller will need to sign the transfer documents. At this time you will be expected to pay the transfer costs, registration fees and an estimated share of the rates.

Registration documents are lodged at the Deeds Office. This is where the property will be registered in your name. Congratulations, the property now belongs to you!

Home loan comes into effect

Once you have received notification of the registration, your bank will pay the seller, or their bank, and your home loan will come into effect. The bank will notify you of this in writing and inform you when your first monthly instalment is due.

Taking occupation

You may take occupation as per the date agreed on your sales agreement. If you are already occupying the property, you will no longer have to pay occupational rent.

Who is involved in the purchase of a property?

•             You (the buyer)

•             The seller

•             The estate agent

•             The transferring attorney (also known as the conveyancer) – appointed by the seller

•             The bond attorney – appointed by the bank granting the bond

•             The cancelling attorney – appointed by the seller’s bank, to cancel their bond

How can you speed things up?

•             Get pre-approval for your home loan

•             Provide all requested personal and financial information

•             Pay your deposit, if any, as well as bond and transfer costs on time

•             Sign all documents when requested

Please contact us if you require any further information or would like to apply for finance:

Complete this short form online

011.327.4489 / 0861 1111 93

morne@mortgagepluscc.co.za

www.mortgagepluscc.co.za