Articles related to "Home Loans"

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Should I apply for a 100% bond?
Many buyers are rushing to enter the property market in order to take advantage of low interest rates, but don’t have a deposit saved up. Should these buyers apply for a 100% bond, or wait?
Fewer buyers, but banks grant more home loans
There has been a 4% increase in the number of home loans granted over the past 12 months, even though the number of home loan applications has fallen off by a similar percentage.
Small deposit? Here’s why you should consider buying a cheaper home
Buyers are taking advantage of current lending conditions and applying for home loans with any deposit they have. Homeowners who have saved up small deposits should consider buying a cheaper home.
Buyers benefit as banks’ appetite for home loans increase
Banks are competing for new home loan business at the moment and prudent home buyers are benefiting as a result, says Rudi Botha, CEO of BetterBond, SA’s biggest bond originator.
How the rate cut affects your bond
The decision by the Reserve Bank to cut the interest rate will mean lower repayments for homeowners and easier qualification for new buyers.
Why the loan-to-value ratio is important when buying property
LTV refers to the ratio between the loan amount and the value of a property. A higher deposit will result in a lower LTV and increase your chances of your application being successful.
Saving for a deposit will take first-time buyers three years
First-time buyers typically need to save for 3 years to afford the deposit on a home] - VAT and fuel price increases are going to make it even more difficult to reach that goal.
The many benefits of home loan pre-qualification
Knowing whether you will be granted a loan and what you can afford, before you start viewing property can remove much of the uncertainty.
When your dream home turns into a real-life nightmare
When Angile recently bought her first property, she encountered pitfalls that very few property buyers are prepared for. Here is her story and how you can avoid encountering the same issues.
4 essential tips for first-time home buyers
Head of Home Loans Digital, Lephoi Mokgatle, provides 4 essential tips for first-time home buyers looking to climb the property ladder.