Mortgage Plus the One Stop Home Loan Solution.

Mortgage Plus cc offers you an ALL-in-One Bond Origination Service.
Shopping around for the best home loan interest rate can be very time consuming and since you homeloan is probably the biggest financial commitment you’ll ever have its important to ensure that you’re getting the best bond deal currently available.

4 Things to look for when searching for the best home loan package:

1: Super Low Interest Rate
Our mortgage Consultants will send you home loan application to all the major bond providers in South Africa – including: ABSA, FNB, STD Bank, Nedbank, Sanlam and SA Home Loans
2: Discounted Bond Costs
We are able to negotiate between 100% and 50% discount on your Bond Registration costs. Always ask our consultants for a discount as these costs can add up to thousands.
3: Fast Approvals
When purchasing a new property its important to secure your homeloan finance as fast as possible since sellers are often not willing to wait more that a couple of weeks for your bond to be approved – Mortgage Plus can secure your approval within days.
4: No hidden costs
Our bond origination service is not only comprehensive, but it is also 100% free. In fact you’ll not only be getting the lowest interest rate but also a discount on your bond registration costs.
Speak to Morne Prinsloo one of our Mortgage Consultants to set up a appointment.

Our consultants have helped clients all over South Africa secure great interest rates on their new and existing home loans.

www.mortgagepluscc.co.za / morne@mortgagepluscc.co.za / 011 327 4489.

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How can I get into the Property Market ?

Home Loan and Property Tips
With interest rates up and affordability dropping it may seem like the wrong time to begin climbing the property ladder. But, with a bit of know-how and resolve you’ll find that it’s not as difficult as you might think.
Rising Inflation and interest rates have forced many potential buyers and investors out of the property market, which has a knock-on effort for sellers. With fewer buyers in the market sellers are forced to lower their asking prices.
You should be able to find a fair number of great deals at the moment. Keep an eye out for properties that have been on the market for more than 4 or 5 weeks – their prices are usually very negotiable by now.
While it is thought that the National Credit Act (NCA) has stopped many buyers from securing the home loans needed to buy properties , viewed from another perspective – the Act also offers buyers a new method of securing home finance.
Following the implementation of the NCA – some mortgage lenders are basing their home loan qualifying criteria on your total disposable income, and not your gross income. This means that someone [or a couple] earning R15k/pm could potentially qualify for a home loan of R700k, if their total disposable income is able to support the monthly bond repayment of about R8 000.
The current property market can be described as a buyer market and although banks may be stricter with their lending criteria, no leader is going to turn away a client that can display affordability and a clear credit record.
To apply phone Mortgage Plus and speak to Morne Prinsloo (011-327-4489) www.mortgagepluscc.co.za

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New Home Loan Lending Policy for South Africa

South African Home Loan providers have responded to the current high interest rate climate and slow property market by tightening their mortgage lending criteria. FNB and ABSA home loans have lowered their Loan-to-Value limits from 108% to a maximum of 100%.
LOAN-TO-VALUE

The ratio between the mortgage loan amount and the value of the property usually expressed as a percentage.
108% home loans were previously used by new home buyers to cover their initial costs, such as transfer and bond costs. Essentially, if the bank valued your new home at R1million they were usually willing to offer you a loan of R1 080 0000 – to cover costs.
Bond Originators:
Since the banks are now less willing to finance the extra costs, the need for Bond Originators has become even more vital. Their service is totally free and your originator is usually able to discount some of the attorney costs while also offering you cash back.
Below are the most recent changes to the banks credit policy:
ABSA Home Loans
• Loans up to R800k – maximum of 100% LTV.
• Loans greater than or equal to R800k but less than R2.7million – maximum of 95% LTV.
• Loans greater than R2.7million but less than R4million – maximum of 90% LTV.
• Loans of R4million or greater – maximum of 85% LTV.
FNB Home Loans
• Maximum LTV of 100% on all bonds – this also applies to the FNB One Account
CONTACT US
Speak to a home loan consultant about financing your new property or reviewing your existing mortgage. We are able to assist in lowering your bond repayments and/ or securing attorney discounts.

Call Morne on 0825500229
Email: morne@mortgagepluscc.co.za

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BECOME A BUSINESS PARTNER

By becoming a Mortgage Plus Partner, your business will immediately be positioned as a key player in this competitive and rewarding marketplace. Mortgage Plus is proud to offer a tried and tested, proven model with effective systems to support the growth of your business.

APPLY NOW TO BECOME A BUSINESS PARTNER!

WHAT PUTS US AHEAD OF THE REST?
An Originator that believes in sharing their value adds with our business partners to create growth opportunities and wealth for all.

An Originator that displays total transparency and delivers continious communication – all through technology.

An Originator that creates other income streams for all our business partners.

An Originator that allows aggregators the freedom to run their business the way they see fit without boundary restrictions.

An Originator that that believes in strong networking opportunities and an open door policy (always there when needed).

For more phone Morne Prinsloo on 011 327 4489

http://www.mortgagepluscc.co.za

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Mortgage Plus offers you an ALL-in-One Bond Origination Service.

Shopping around for the best home loan interest rate can be very time consuming and since you homeloan is probably the biggest financial commitment you’ll ever have its important to ensure that you’re getting the best bond deal currently available.

4 Things to look for when searching for the best home loan package:

1: Super Low Interest Rate
Our mortgage Consultants will send you home loan application to all the major bond providers in South Africa – including: ABSA, FNB, STD Bank, Nedbank and SA Home Loans

2: Discounted Bond Costs
We are able to negotiate between 100% and 50% discount on your Bond Registration costs. Always ask our consultants for a discount as these costs can add up to thousands.

3: Fast Approvals
When purchasing a new property its important to secure your homeloan finance as fast as possible since sellers are often not willing to wait more that a couple of weeks for your bond to be approved – PropertyLoans can secure your approval within days.

4: No hidden costs
Our bond origination service is not only comprehensive, but it is also 100% free. In fact you’ll not only be getting the lowest interest rate but also a discount on your bond registration costs.

Speak to Mortgage Plus now: complete your details on this short form and we’ll contact you shortly. 011 327 4489

Our consultants have helped clients all over South Africa secure great interest rates on their new and existing home loans.

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How much Home Loan do I qualify for?

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The Best Home Loans Options in South Africa(Mortgage Plus cc)

bag_with_money_dollars_1800487MORTGAGE PLUS is a bond originator who is dedicated to procuring and arranging highly competitive mortgage lending rates to existing and new residential bond holders who have an acceptable risk profile. Furthermore, MORTGAGE PLUS shall private a seamless transaction which not only results in substantial savings to the client, but which is also effective and convenient.

Individuals in the target market segment on which MORTGAGE PLUS focuses are mostly employed or self employed.

It is also recognized that these individuals have and are mostly still engaged in building their asset base in order to increase their net worth.

MORTGAGE PLUS employs qualified consultants who advise clients about various options that exist in order to maximize benefits.

Some benefits are:
• New Home Loans and advice on different types of home loan products.
• Larger mortgage loans at the existing monthly installment
• Reduced retention period of the loan if the existing monthly payment is maintained at a reduced interest rate.
• Larger loans (including second bonds) at reduced interest rates – the balance could be utilized for alterations, extensions or for other important purposes.
• Switching your bond to another Financial Institution to receive more benefits.
• Reduced monthly installments.

MORTGAGE PLUS understands that it is important to keep the client up to date on the status of the transaction. If the client has specific requirements regarding feedback, MORTGAGE PLUS will within reason, comply with that request.

MORTGAGE PLUS consultants analyze the needs of each client and calculate the value of each option. The cost of re-registering the mortgage bond to another institution, if necessary, depends on each case.

In short, MORTGAGE PLUS provides an opportunity to:
• Save money over both the short and long term;
• Enlarge net worth values of individuals and;
• Create wealth.

Therefore, it is an opportunity not to disregard or say “NO” to!
For more info go to www.mortgagepluscc.co.za
011.327.4489

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