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For many individuals, purchasing property is a long-term investment that will be paid off for up to 30 years. Monthly payments can seem never-ending, and they take a toll on your finances – especially if you are a first-time homebuyer. Often, homeowners believe that they are stuck with their original mortgage until their bond is completely paid off, but this couldn’t be further from the truth! Getting a better deal on your home loan is not only possible, but highly probable when you switch to SA Home Loans.
Switching bonds is easier than you may think. SA Home Loans offers a Switch mortgage solution that allows you to switch your current bond to one of SA Home Loans low-interest mortgage options.
Switching bonds not only gives you the option of finding a home loan provider that charges lower mortgage rates, but it can also give you the opportunity to access some of your home’s equity or pay off debt.
Continue reading to learn more about the benefits of switching bonds with SA Home Loans’ home loans.
SA Home Loans is known for having some of the lowest mortgage rates in South Africa, and many homeowners are switching to us in order to decrease their monthly instalments.
First-time homebuyers are seldom given preferential interest rates until they have proven their ability to pay their instalments over time. If you have had a bond for several years, and you have not defaulted on any payments, your credit rating will more than likely be better than when you applied for your first mortgage. This will count in your favour when switching bonds, and as a result, you should qualify for a better interest rate than before.
A house accrues value over time, and the longer you own it, the greater its worth generally becomes. Often, homeowners only have access to this equity – the difference between the value of the property and the amount that was paid for it – when the house is sold.
Switching bonds can give you access to your home’s equity, because you are able to register a loan for the current value of your property, rather than the value of the property when it was first purchased. This additional equity can be accessed as Quick Cash through the switching process, and may be used however you see fit: To pay off debt, renovate your home or meet any other financial needs.
If you are thinking of switching bonds and want to know whether you qualify for SA Home Loans’ home loans, make use of our simple Switch Calculator. Changing your mortgage provider could be one of the most financially sound decisions that you can make during the course of your life. Switching bonds can not only provide homeowners with a significant financial boost, but can also ease your monthly payment obligations.
Contact one of our specialist consultants on 0860 2 4 6 8 10 to switch your bond to one of SA Home Loans Switch and Save mortgage solutions.
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