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Buying a property is a significant undertaking and it’s important to choose a mortgage lender that understands your unique requirements. It’s a relationship that you will have for up to 20 years – the life of your mortgage bond – so you need to be sure that you can trust them and that they listen to your needs throughout the mortgage application process.
A mortgage is often seen as a necessary burden – but it can also be an effective financial tool. As with the property itself, one’s mortgage is likely to play a significant part in a homeowner’s life for many years and should be chosen wisely.
Whether you want to purchase a large home that can accommodate your growing family or renovate your current home to increase its value or improve your standard of living, a mortgage can provide you with the finances to do so.
SA Home Loans is a leading South African mortgage lender and we offer a selection of flexible mortgages at competitive rates. We offer personalised service that makes sure your needs are attended to during the mortgage application process as well as after the loan has been granted. Our Amazing Service is the cornerstone of our existence and deeply entrenched in our corporate culture. We value our many loyal, satisfied clients and are always available to answer any queries that they may have.
Use our mortgage calculators to see what home you can afford with SA Home Loans or continue reading to learn why SA Home Loans’ mortgages are some of the best in the industry.
Apart from helping you to purchase a home, there are numerous other reasons to choose SA Home Loans as your mortgage loan provider.
SA Home Loans’ array of flexible mortgage products can be tailored to your specific financial situation and mortgage requirements. Mortgage applicants have a choice of interest rate structures, equity access products and risk management products.
We offer four primary mortgage products: Variable Home Loan, Interest Only, Varifix and Edge. Contact us now on 0860 2 4 6 8 10 to discuss the benefits of each of these products with an SA Home Loans mortgage specialist.
Because most of our clients pay back their mortgages over a period of up to 20 years, we know that their financial situations are likely to change over the term of the loan. At SA Home Loans, we allow our clients to switch from any of our home mortgages to another mortgage product type without charge.
Unlike many other mortgage lenders that group applicants using generic criteria such as income and credit rating, we treat our clients as individuals. Each mortgage application is reviewed without bias. Furthermore, our mortgage specialists assist you throughout the application process and provide information on the benefits of each of our products in relation to your unique financial situation.
When switching your mortgage loan, you may need quick access to cash. SA Home Loans offers Quick Cash, an option that gives you access to R75 000 within 72 hours of applying, and up to R150 000 on signing your mortgage documents. Over and above paying for a new home, this cash can be used in a number of ways, including paying for renovations on your house, paying for your children’s education or consolidating alternative more expensive debt.
One of the most important aspects to consider when choosing a mortgage is its interest rate. Because you will likely be paying your mortgage over a decade or longer, the total interest that you pay can end up being a significant sum. Choosing a mortgage product with a competitive interest rate is an effective way to decrease your overall expenses.
While many homeowners only look at rate when shopping for a mortgage loan, there are many other aspects of a mortgage to take into account before handing in your mortgage application. Since this is likely to be a long term relationship with your mortgage provider, you should also consider issues like flexibility, efficient and personalised service, and whether your mortgage provider really understands your needs. SA Home Loans is well known for our amazing service and for providing flexible solutions that meet our clients’ unique needs. We’re also the most innovative mortgage provider in South Africa, leading the way with new and innovative products.
For example, we launched EDGE in April 2010. With EDGE, you pay only the interest on your loan for the first 36 months of its term. Thereafter, your bond converts to a standard Variable home loan for the subsequent 240 months. Not only will your monthly bond instalments be lower for those first critical “stretch” years, but the initial loan amount could be higher – allowing you to ‘buy up’ and get a better home than you might have expected.
Use our mortgage calculator to see whether you qualify for our EDGE home loan.
In South Africa, there are a number of ways in which to obtain a mortgage. Homebuyers can apply for mortgages via their banks, let their estate agents arrange a loan, consult a bond originator or go directly to specialist mortgage lenders like SA Home Loans.
It is important for homebuyers to investigate several avenues before settling on a mortgage provider. While letting your estate agent or a bond originator find a mortgage for you may be the easiest option, it is often not the most effective. Estate agents and bond originators typically earn commission on their sales and may be swayed by the temptation to increase their income by recommending a mortgage that benefits them more than it does you.
Cutting out the middleman by going directly to mortgage lenders such as SA Home Loans gives you the option to speak directly to a consultant who can give you a mortgage quote as well as detailed information on the company’s full range of products.
Because buying a home and choosing between mortgages is a big undertaking, SA Home Loans offers a comprehensive service that can help you to make the best decision for your financial future. We offer amazing after-sales service and treat all of our clients as individuals, ensuring that they understand the fine print in their mortgage agreements fully before committing.
Contact SA Home Loans on 0860 2 4 6 8 10 for information on any of our mortgages - our mortgage specialists are ready to answer all of your mortgage questions.