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In South Africa, a mortgage loan can be more than just a means to owning a property. While there are numerous real estate options available to home buyers, personal tastes can differ to such an extent that your ideal home may not exist – yet.
With mortgage loans from SA Home Loans, you don’t have to settle for an existing property that doesn’t meet your and your families specifications exactly. As a reputed mortgage lender offering a diverse range of loans with competitive interest rates, SA Home Loans can help you to procure the funds necessary to buy or renovate a property.
Whichever option you choose, SA Home Loans can assist you in choosing the right mortgage product to suit your requirements. There is no perfect answer to the question of whether it is best to buy or renovate because each option is ideal for different homebuyers or homeowners.
Contact SA Home Loans today on 0860 2 4 6 8 10 to apply for a mortgage loan, for assistance in buying or renovating a property, or continue reading for further information. Before submitting your mortgage application, it is critical that you examine your reasons for wanting to buy or renovate a home. Continue reading to learn which SA Home Loans mortgages are best suited to each type of property acquisition.
Typically, there are fewer elements to consider when buying a house than there are when building property. Once a suitable home becomes available, one merely needs to be able to afford the cost of the property, including transfer duties, legal fees and the cost of moving your furniture and belongings.
As the premier mortgage lender in South Africa, SA Home Loans offers a number of versatile and flexible home mortgages that take into account the varying needs of homebuyers. Therefore, the primary criterion for choosing a mortgage loan is your own financial position and your ability to make the monthly payments.
The Variable mortgage offers a competitive interest rate that is tailored to your unique risk profile. This means that you benefit from falling interest rates immediately as well as save money by lower interest payments (because your capital decreases every month).
If rising interest rates concern you, opt for our Varifix mortgage, which allows you to fix the interest rate on all or part of your loan for up to its full term. However, what makes this option particularly appealing is that the interest rate is assessed every 5 years and if the interest rate has lowered in those years, your loan will be set at the new rate.
If you are happy in your current home but wish that it had an extra room or two - perhaps you need to cater to a growing family or can now afford the luxury of state-of-the-art amenities – request a mortgage quote from SA Home Loans. Over and above our flexible mortgage products, we also offer a number of equity access products that can help homeowners access the increased equity in your property.
These types of loans are ideal for renovating an existing property because the applicable mortgage rates are typically competitive. For current SA Home Loan clients, renovating their properties with accessed equity via our Further Loan, Rapid Re-advance and Further Advance products can significantly increase the value of their homes.
A mortgage loan from SA Home Loans can provide you with the capital that you need to obtain or enhance property. Our loans are tailored to our clients’ unique financial circumstances and risk profiles, ensuring that they reach their maximum potential.
Furthermore, our property finance consultants are experienced at providing expert assistance and amazing service to each and every one of our clients, whether you are a first-time homebuyer or have been a loyal client for many years.
Use our mortgage calculator to see what size home you can afford with the help of SA Home Loans – South Africa’s leading mortgage provider.