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If you’re currently paying off a home loan, you could be eligible for a better deal on your bond. In fact, by securing more affordable loan terms, you could save thousands of rands over the life of your loan.
SA Home Loans is recognised as South Africa’s leading non-bank home loan specialist, and via its innovative Switch and Save mortgage option, you could qualify for a better deal on your existing home loan. The best part about taking advantage of our Switch and Save bond option – besides the substantial cash savings, that is – is that it’s so easy! Changing from your current lender to SA Home Loans can be done quickly and with little hassle, which means that you could start saving in no time at all.
Continue reading to learn more about SA Home Loans’ Switch and Save home mortgage deals, which have already helped thousands of individuals to slash their monthly bond instalments.
Alternatively, use our online calculator to discover whether you qualify for a lower mortgage rate, or contact us on 0860 2 4 6 8 10 to chat to an experienced home loan consultant.
Did you know that when you first qualified for your home loan, the likelihood is that you weren’t given the lowest possible interest rate on your mortgage - particularly if you were a first-time homebuyer? This is because as a new home buyer, you’d have needed to prove your capacity to settle your mortgage repayments in full and on time each month.
As the years progressed, and you continued to pay off your home loan promptly every month, you established a strong credit record that will now enable you to qualify for a lower mortgage interest rate. Using your favourable credit profile, combined with the fact that the value of your home has increased over the years, you’ve got a significant bargaining chip that you can use to secure a better rate.
Thus, if you’ve owned your home for some years and you’ve been consistent in your mortgage repayments, it’s worth your while to consider Switch and Save home bonds from SA Home Loans. In all likelihood, you’ll qualify for a much better mortgage deal that you’ve got currently, saving you hundreds of rands each month and thousands over the life of your loan.
When you apply to switch your bond to SA Home Loans, you could also qualify to access additional funds, particularly if you’ve owned your home for some years. This cash could be used to pay tuition fees, fund home refurbishments, or settle higher-interest consumer debt. If you’ve got a fair amount of debt, using this cash to consolidate your debt may be a sound financial decision, and could help you to manage your finances even more efficiently in the future.
Once you’ve qualified for a better deal from SA Home Loans, you’ll have a range of home loan options to choose from. This will enable you to find the mortgage that ideally matches your financial requirements – such as the Variable Home Loan, which offers the most competitive interest rates available, or the Interest Only bond, which gives you ultimate financial flexibility. Our home loan consultants will assess your individual requirements and help you to select the right mortgage option for your needs.
SA Home Loans will also ensure that you’re protected in any eventuality, by offering competitively-priced Homeowner’s cover and bond protection plans. Furthermore, we’ll give you the option of capping your interest rate, which means that you’ll never have to pay a higher interest rate than you can afford to, but you’ll still benefit from interest rate decreases.
We’ve made it as simple as possible to secure a Switch and Save house bond from SA Home Loans. You can apply online, and we’ll sort out all the nitty-gritty for you in less than a week.
Contact us now on 0860 2 4 6 8 10 to find out about switching your bond to SA Home Loans, or learn more about switching by reading this useful information.