Fill in your Income and Loan details to find out what value of Home you can afford to buy. This Affordability Calculator will allow you to apply for a Home Loan with SA Home Loans.
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Every homebuyer is different. They earn different incomes, have different size families, owe different amounts of debt and have different expectations from their finances. For this reason, it’s imperative to choose bond finance from a reputable bond provider that offers efficient, personalised service.
At SA Home Loans, we pride ourselves on the high level of service that we give our clients. We understand that every client has a different set of needs, and strive to give each client the attention that he or she deserves. Whether you need home finance to purchase your first property, want to buy a new home or want to switch your bond to take advantage of our competitive rates and superior service, our property finance consultants can guide you from start to finish.
Unlike banks, which typically score applicants using set requirements, SA Home Loans assesses each bond application on its own merit. This means that, even if your home loan application may have been rejected by the banks, it is still possible that we may be able to approve your loan through SA Home Loans as we will give it more personalised attention. Contact us for a personalised assessment of your finances and property requirements.
Take a good look at your income and expenses to ascertain exactly what the best bonds are for you. SA Home Loans products are designed to meet the needs of a diverse selection of homebuyers. Our Variable bond’s interest rate is tailored to the risk profile of the bondholder, making it one of the most competitive bonds available. So, if you have a steady income and good credit rating, this is an excellent option for you.
One of the most important factors to consider is a drastic rise or drop in your expenses. There are many instances that could cause your expenses to change suddenly, such as a new arrival in your family or your children heading off to start their own lives. If you’re seeking a flexible bond from a finance lender, consider our Interest Only bond, which requires that you only pay the interest on your bond each month, giving you the freedom to pay as much or as little capital as you can afford each month. The capital only needs to be settled at the end of the bond’s term.
Because 20 years is a significant portion of your life, your financial situation is likely to change several times by the time your bond is settled. The bond product that is best for you now, may not be the best for you in a decade. Perhaps you are starting your career now and can only afford to make the minimum payments. But in three or four years, you could receive that big promotion that you’ve been working towards and will then be able to increase your real estate bond payments.
The best bonds are typically those that are flexible and can grow with you and your family. As a premier South African finance lender, SA Home Loans has established a reputation for offering flexible property finance products. In fact, we take it a step further and allow you to switch your bond to another of our bond products free of charge, allowing your bond to work hard for you throughout its entire term.
There are many reasons why SA Home Loans customers are so fiercely loyal. Over and above our innovative, industry-leading products, we provide all of our customers with excellent service. Our property finance consultants are friendly, well informed and ready to answer all of your questions. In fact, our incredible service is the primary reason that we have succeeded in providing superior bonds for so many years.
Furthermore, SA Home Loans is a bond finance lender and not a bond originator, which means that you can cut out the middleman and speak directly to us. While bond originators profess to find the best bond choice, many select from a limited number of providers. It’s therefore recommended that even if you use a bond originator to source a loan that you contact SA Home Loans before making your final decision.
Our property finance consultants know every detail of our products and can provide you with information that bond originators may overlook.
Give us a call on 0860 2 4 6 8 10 to learn more about our bond finance products or use our convenient bond calculators to find out what loan you can afford. Discover for yourself why SA Home Loans is the leading bond provider in South Africa.