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Borrowing against your home is often the most affordable way to access the funds you need to settle debt, make renovations or pay for large expenses. It’s also a good way to refinance your home loan and enjoy lower interest rates and more affordable monthly instalments. A home refinancing mortgage will help you to achieve these goals and free up some extra cash at the same time.
SA Home Loans offers home refinancing mortgage products aimed at reducing your loan costs, while giving you access to your property’s equity. Once you’ve qualified for one of our property mortgage loans, you’ll have an array of options to choose from in order to customise your bond. This will help you to meet your financial needs comfortably and effectively, giving you the flexibility you need to maintain a healthy budget.
Application successful? Congratulations! Now it’s time to personalise your home refinancing mortgage with one of SA Home Loans’ quality mortgage products.
Taking out property mortgage loans with us is one of the surest ways to secure a more competitive mortgage rate and lower your monthly instalments.
Consider the following options when you qualify for our home refinancing mortgage:
With a variable interest rate that is measured according to your specific risk profile, the variable home loan saves you money while giving you greater mortgage flexibility. Through the variable home loan option, you may also have the opportunity to access additional cash, if your property has accumulated equity over and above the original loan amount.
This is exactly what it sounds like! Instead of the standard 20 year home refinancing mortgage, you can now apply for a longer lending term. With 30 years in which to repay your total capital, you enjoy lower monthly instalments . Best of all, you always have the freedom to pay more and consequently shorten the bond term.
This innovative bond allows you to pay the lowest possible bond instalment for the first 3 years, by only paying the interest on your home loan. This can be a great help in those early “stretch” years and assists you in affording repayments on the home you really want. After 36 months, the bond converts to a standard variable loan for the final 240 months. You also have the option of making capital payments during the first 36 months should you choose to do so.
Apply to switch your home loan or for your home refinancing mortgage, and you could get cash out in as little as 72 hours. It’s immediate access to your equity.
A re-advance is done when you wish to re-borrow any portion of the total capital amount that you have pre-paid (i.e. paid by you in excess of the required instalments and not re-advanced before that time). **
A further advance is the amount available to you up to the existing registered bond amount. **
A further loan is processed when the amount requested by you exceeds the current registered bond amount. The further loan is registered at the Deeds Office.
** The amounts must be equal to or greater than R10 000 each and shall be made no more than six times during any 12-month period.
To ensure that your mortgage remains as flexible as you need it to be, SA Home Loans has created a range of risk minimising solutions that protect your biggest asset, as well as your financial position, throughout the life of your loan. These include Cap Rate – so that you’re not caught off-guard by interest rate spikes – homeowner’s insurance and a bond protection plan.
Find out now whether you qualify for a home refinancing mortgage from SA Home Loans, or contact us on 0860 2 4 6 8 10 for more information about our mortgage products.
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