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Property prices may be out of your control, but you do have power over which home loan you choose. While the current economic climate has deterred many people from entering the property market, it may be the ideal time to buy a home. With a mortgage from SA Home Loans, the house you want may be affordable.
SA Home Loans offers a selection of affordable, low-interest mortgage products. We tailor our products to our customers’ individual needs in order to offer the best loan solutions possible. However, it is important for you to assess your unique financial situation and mortgage requirements in order to ascertain which the best loan option is for you.
Continue reading to discover how you can decide which home loan product you should choose.
A large loan might seem like the clear choice because it means that you have a greater number of options when searching for a property to buy. However, there are several factors to consider when choosing the best loan for you.
Taking out a mortgage is a big commitment and you will be responsible for making your monthly payments in full every month. Before applying for a loan, take stock of your income and expenses. How much disposable income do you have each month? Will you be able to afford large mortgage payments?
If you earn a modest salary, it will be prudent to apply for a smaller loan. While choosing a small loan may mean that you have to adjust your property expectations, you can rest easy knowing that you will be able to keep up to date with your mortgage payments.
There are some things that you can do to increase the amount of your loan without significantly affecting your monthly budget.
Shop around for a low-interest loan. Many home buyers choose to apply for a loan at their bank. However, banks do not always offer the best interest rates on home loans. SA Home Loans focuses on mortgage products and is therefore able to offer high-quality home loans with low interest rates.
Another factor that can provide low monthly instalments is the term of a home loan. While it is advisable to pay off your loan in as short a time as possible, choosing a loan with a longer term will lower your monthly payments and provide you with the option of choosing a larger loan.
The best loan for you is the one that is tailored to your unique financial requirements. Every home buyer is different and therefore has different needs. While one type of home loan may be perfect for one home buyer, another could be unsuitable.
SA Home Loans offers a selection of mortgage products that are tailored to the requirements of our customers. Take a look at our innovative mortgage products below to find the best loan for you.
This home loan offers our most competitive interest rate and has a flexible term of up to 20 years.
Extend the term of your amortising variable home loan to enjoy a lower monthly instalment rate throughout your lending period.
Pay the lowest instalment - only the interest - for 3 years before reverting to a standard amortising loan, allowing you to afford the home you really want.
At SA Home Loans, we understand that mortgages extend over a long period of our customers’ lives and that their financial circumstances could change several times before their loan is paid off. For this reason, we are always looking for new and innovative products to offer clients that make it easier for you to purchase the home of your dreams.
SA Home Loans strives to provide the ideal mortgage product for each of our customers and should our customers’ circumstances change, their loans can change too.
Peruse our selection of high-quality home financing solutions to find the best loan for you, or contact one of our mortgage specialists for assistance choosing an SA Home Loans mortgage.
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