Switch Application

Before you start, you need to decide who is going to be an applicant on the home loan and to have their information on hand.

• If you are married in community of property, both spouses must be applicants on the home loan.
• If you are married by traditional rites, then the law considers you married in community of property and both spouses will have to be applicants on the home loan. Should you wish to have only one spouse as an applicant on the loan, then the spouse who does not wish to be an applicant must give a letter of consent.
• If you need the income of your partner/spouse or a family member living with you to make the loan affordable, then they must also be an applicant on the loan.
• You cannot use someone’s income to show that you can afford the loan repayment if that person is not going to be an applicant on the home loan application.