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A mortgage is an invaluable tool to a large percentage of homebuyers because without one, they would not be able to afford a home. However, while many people use mortgage loans to purchase property, few know how to use them effectively.
There are a large number of people who are unsettled by financial matters and prefer to let a mortgage originator source a mortgage loan on their behalf. However, it’s wise to remember that while it may be a tempting option to allow a mortgage originator to do all the work for you, this might not be the best long term option.
As a leading mortgage lender in South Africa, SA Home Loans has extensive experience regarding homebuyers, their unique requirements and how best to leverage mortgages to their benefit. We offer a diverse range of flexible products and our property finance consultants strive to provide amazing service to every customer from the moment of first contact to the day that they make their final mortgage payment.
Contact SA Home Loans now on 0860 2 4 6 8 10 for a mortgage that can help you to buy your ideal home, and for information on using it to its maximum potential.
SA Home Loans understands that all homebuyers are different and that it’s impossible for one type of mortgage loan to meet their unique needs. For this reason, we offer a range of mortgage products that are flexible, truly innovative and can be tailored to your unique financial situation.
Below are some of our best mortgage products and the types of homebuyer who can benefit from each:
With an interest rate that is tailored to your risk profile, the Variable mortgage is ideal for homebuyers who are financially astute.
This mortgage product is ideal for those wanting to pay a lower monthly instalment, which is achieved by amortising the capital repayments over a longer 360 month period. However homebuyers should be aware that the longer term also means that the total interest payable is higher on a 30 year bond than it would be over a standard 240 month (20 year) period.
Homebuyers who are expecting a salary increase or another such influx of cash in the future should submit a mortgage application for our Edge product. With this product, homebuyers are only required to pay the interest on their loan for the first three years. After these stretch years, the loan converts to a standard Variable mortgage, which is paid off over 20 years.
In South Africa, there are four primary ways in which you can find a mortgage – some of which are more effective than others:
Many people, particularly in South Africa, are loyal to their banks. They believe that because they’ve been long-term customers, they will receive preferential rates. However, because banks are typically large institutions, customers tend to get lost in the crowd.
Even if you’ve been a loyal customer of your bank for many years, it is prudent to explore a variety of mortgage lender options. Providers offer different products with different levels of flexibility and different interest rates. Furthermore, while your bank may offer excellent general banking services, SA Home Loans specialises in providing mortgages and can offer expert assistance with all aspects of mortgages.
Mortgage originators make a living by matching homebuyers with mortgage providers. On the surface, this seems like an ideal solution. However, originators typically don’t necessarily consider every option and many have arrangements with certain providers. This means that homebuyers aren’t guaranteed the best mortgage quote possible.
SA Home Loans is the only true alternative to banks with regards to providing mortgages. This means that we’re able to match you to a product that meets your unique mortgage requirements to a tee. And should your financial situation change during the term of your loan, you can switch mortgage products to one that better meets your current situation – at no cost.
Over and above our competitive mortgage rates, we offer a superior service that includes assistance with all aspects of taking out a mortgage from SA Home Loans. Amazing service forms the cornerstone of our corporate culture and our property finance consultants strive to instill a sense of loyalty in our customers through transparency, flexibility and availability.
We are always available to answer any questions or queries you may have and provide as much information as you require. Take the first step and use our mortgage calculator to find out what value home you can afford to purchase. Simply input your information and click the calculate button.
Once you’ve found out what home you can afford, click on the apply button and get the ball rolling.
SA Home Loans is in the business of helping people afford property. We know that many homebuyers are unable to afford their ideal home without the help of a mortgage and, therefore, we’ve created a selection of flexible and innovative mortgage products.
Contact us today on 0860 2 4 6 8 10 for more information on any of our mortgage products or to receive guidance through the application process. We’re ready to help you buy the home of your dreams.
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