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SA Home Loans is a reputed provider of mortgages in South Africa and is homebuyers’ only real alternative to obtaining mortgages from banks. We offer a selection of flexible mortgages with competitive interest rates.
Furthermore, we pride ourselves in providing amazing service and our property finance consultants are experienced and professional. Unlike banks, we treat every applicant as an individual rather than qualifying them according to set requirements. There are many factors that affect what size mortgages an applicant may qualify for.
In order to assist our clients effectively when applying for mortgages, we offer a transparent service. SA Home Loans property finance consultants guide homebuyers through the application process to ensure that they understand all aspects of our product selection.
Another reason that SA Home Loans is a leading mortgage lender is our willingness to tailor our packages to meet the differing needs of applicants. We understand that every homebuyer is different and has different requirements. Whether you’re a successful real estate investor seeking to expand your portfolio, or you have a family for whom you want to provide a comfortable life, we offer an effective mortgage package.
Start the process now using our convenient mortgage calculator and discover what size mortgages you can afford.
While the following factors can affect what size mortgage loans you qualify for, it is important to know that SA Home Loans looks at the big picture. We’re not likely to reject an application based on failure to meet one criterion and we assess each individual application from a wide variety of angles before making a final decision.
It is therefore possible for SA Home Loans to offer some of our best mortgages to individuals who have been rejected by banks unfairly. Some of the most prominent factors affecting what size mortgage loan you should expect to qualify for include:
This ratio is calculated by comparing the value of the property you wish to purchase and the size of the loan for which you’re applying. Your LTV is represented as a percentage and is calculated as follows: the mortgage amount is divided by the value of the property and multiplied by 100. In simple terms, saving up a large deposit will help you to qualify for a bigger mortgage because the value of the property is significantly more than the loan for which you’re asking. The LTV ratio is representative of the risk taken by a mortgage provider. A high LTV ratio means that the mortgage provider has more to lose should the homebuyer find him or herself unable to make their monthly payments.
A common misconception is that homebuyers who earn a higher monthly salary are likely to qualify for a bigger mortgage than those with an average income. While salary amount is a contributing factor, a more important consideration is an applicant’s debt-to-income ratio. When receiving a mortgage application, SA Home Loans will determine whether a homebuyer is able to afford his or her monthly mortgage payment by calculating how much income remains after debt payments are made. Therefore, someone with a moderate salary and well-managed debt could qualify for a bigger loan than a person who earns a large salary but has accrued excessive bad debt.
In order to streamline the application process and make home mortgages as accessible as possible, SA Home Loans has three easy-to-use calculators. Each of our calculators has different functionality and is designed for different types of property buyers:
By filling in your income and mortgage details (including monthly instalment, mortgage rates and loan term), you can use this calculator to discover what size loan you are able to afford.
This calculator is designed to give you insight into what value home you’re able to afford. It takes into account the purchase price of the real estate you want and the type of loan that meets your financial requirements.
Find out how much money you could save by switching your mortgage to one of our innovative products.
Once you have used one of the mortgage calculators, you can immediately apply for a mortgage via our website. Alternatively, you can contact an SA Home Loans property finance consultant on 0860 2 4 6 8 10 to discuss your unique mortgage requirements.
SA Home Loans has positioned itself as a trusted mortgage lender by treating homebuyers as the individuals that they are. To this end, we offer a variety of ways in which you can obtain a mortgage quote: use one of our online calculators, contact a property finance consultant on 0860 2 4 6 8 10 or visit your nearest branch.
We can assess your current financial circumstances – as well as your expected future circumstances – to create an effective, tailor-made package that meets your needs exactly. Use our mortgage calculators to apply now.
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