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Having entered the bond market in 1999, SA Home Loans has accumulated over a decade of experience through providing bond options to property buyers across South Africa. Over the years, we’ve helped a wide variety of people – in varying stages of life – to purchase their ideal homes.
In order to meet the needs of a diverse selection of homebuyers, SA Home Loans offers a range of products designed with different types of bond owners in mind.
Something else that we’ve noticed is that not only do the majority of homebuyers have different needs, but these also change throughout the terms of their bonds. Products that are perfect for a young, first-time homebuyer may not be the best option for the same individual 10 years later. Therefore, we give our clients the freedom to move between their mortgage product selection as their needs change.
Continue reading to discover more about our innovative bonds and how SA Home Loans products can be tailored to meet your current and future bond requirements.
Finding the right house bond is almost as important as finding the right house. While you may spend years raising a family or entertaining friends in the property, you will also likely be paying off your bond for a similar amount of time. When navigating the bond valuation and bond applications process, it is important to consider that other products can be used to enhance your house bond.
SA Home Loans currently offers the following bond products:
This mortgage option offers a standard variable interest rate and a flexible term of up to 20 years. This gives you the option to pay off your bond as quickly or slowly as you like.
With this home loan product, you are required to pay the only the interest on your bond each month, which means you pay the lowest possible instalment. Bondholders must settle the full amount at the end of the term, but may make pre-payments at any time over the period of the loan. So this gives you the flexibility to lower your total interest with monthly capital instalments or large deposits whenever your budget allows.
Edge allows homebuyers to pay the lowest possible bond instalment for the first 3 years, by only paying the interest on their home loan. This can be a great help in those early “stretch” years and assists homeowners in affording repayments on the home they really want. After 36 months, the bond converts to a standard variable loan for the final 240 months. Bondholders also have the option of making capital payments during the first 36 months should they choose to do so.
SA Home Loans strives to streamline the bond finance application process to take as much of the hassle out of purchasing a property as possible. Use our convenient and simple-to-use bond calculator to see what size bond you can afford. Alternatively, contact us on 0860 2 4 6 8 10 to receive an accurate bond quote from one of our experienced property finance specialists.
We can assist you in finding the best bond finance for your financial circumstances. With a decade of proven excellence behind us, we look set to continue providing amazing service for many years to come.
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