As a leading bond origination company in South Africa, we offer a comprehensive range of residential home loans to help individuals and families realize their dream of homeownership.
Our expert team works closely with our clients to understand their unique financial needs and guide them through the home loan application process.
We assist our clients in applying and obtaining home loans at competitive interest rates and with flexible terms to suit a variety of needs and budgets.
Whether you're a first-time homebuyer or looking to refinance an existing home loan, we're here to help you navigate the process and find the right loan for you.
Our commitment to exceptional customer service and building long-term relationships with our clients ensures that you receive the best possible outcome. Contact us today to learn more about our residential home loan products and how we can help you achieve your homeownership goals.
Fast, professional and effective client-focused service. Our bond originators are accomplished property professionals with many avenues for expert advice. Make an informed decision.
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We source the best suited equity partner for your commercial property, whether you are looking to purchase an income-generating asset or want a home for your business.
We assist developers with a once-off approval of their development with all the banks, including a streamlined application process with qualified end-users.
Tuesday, April 22, 2025 | Hannah van Deventer
The Financial Sector Regulation Act (FSRA) of 2017 in South Africa is a key piece of legislation that establishes a system of financial regulation, with the aim of preserving and enhancing financial stability, improving market conduct, and protecting financial customers. It also creates the Prudential Authority (PA) and the Financial Sector Conduct Authority (FSCA), which are responsible for regulating and supervising financial institutions and financial products.
The Financial Advisory and Intermediary Services (FAIS) Act 37 of 2002 is a South African law that regulates the financial advisory and intermediary services industry. Its main purpose is to protect consumers of financial products and services, professionalise the industry, and ensure that financial service providers act in a competent and ethical manner. The act applies to many intermediaries, including insurance brokers and mortgage brokers.
Saturday, April 19, 2025 | Hannah van Deventer
The National Credit Act (“NCA”) of 2005 is a law designed to regulate the consumer credit market in South Africa. It aims to promote a fair and accessible credit environment, protect consumers, and encourage responsible credit practices. How does that shape the landscape for consumers?
Tuesday, April 15, 2025 | Hannah van Deventer
Congratulations, your home loan was approved! Now what?
It’s time to start planning to move into your new home, or get a tenant for your investment property, and prepare for your very first home loan repayment. It’s essential to meet the deadline for every repayment on your home loan to ensure your credit score stays in tact and your chances of applying for more credit are not affected.
Most consumers are aware that any lender in South Africa doing a credit check on their personal profile could negatively affect their credit score. While this is true in some circumstances, it’s important for consumers to understand when it applies.
There are certain types of credit checks that affect a customer’s credit score, and some credit checks that will not affect scoring at all.
Friday, March 21, 2025 | Hannah van Deventer
There are many different types of loans and methods of calculating and repaying interest. Your home loan is quite possibly the longest loan commitment you will make, so it’s critical to understand how the interest is calculated over the life of the loan, and what each repayment is actually made up of.
Sunday, March 16, 2025 | Hannah van Deventer
The prime rate has decreased three times by 25 basis points since September 2024, bringing the current prime rate down to 11%, which is good news for homebuyers. But why is it taking so long for the market to respond?
Saturday, February 15, 2025 | Hannah van Deventer
Discovery, in partnership with SA Home Loans, has introduced a home loan offering that incorporates its signature rewards-based approach. Clients have the opportunity to receive up to a 1% interest-rate discount based on their financial behaviour and engagement with Discovery products. But is it worth pursuing?
Sunday, January 26, 2025 | Hannah van Deventer
If you’re buying or selling a half share of a property, you may think the process will easier than buying a property outright, which is a common misconception. There are many legal intricacies, valuation considerations, and co-owner agreements that play pivotal roles.
This article relates specifically to the buyer of a half share transfer, and their cost and financing considerations.
Friday, January 17, 2025 | Hannah van Deventer
If you’ve been part of a sequestrated estate and recently rehabilitated, you’re probably thinking about how to start building up your wealth again. One of the main concerns for rehabilitated insolvents, who most likely lost their home on the process, is how to begin the process of buying property with finance.
With lower vacancies and lower tenant defaults, investors are recognizing the attractive financial benefits of residential opportunities in this thriving market.
Read More ...Posted by Hannah van Deventer on Thursday, May 16, 2024 Views: 1831
Saratoga Estate is an exclusive new development in Beaulieu, Midrand. Situated halfway between Johannesburg and Centurion, Saratoga Estate offers all the tranquillity of country style living, with all the convenience of the city.
Read More ...Posted by Hannah van Deventer on Wednesday, April 17, 2024 Views: 2148