gpf mortgage south africa

Home Loans South Africa: If you have decided to purchase your very own property, there are some steps you can take to be better prepared and improve your chances of getting home loans. Applying for a home loan can sometimes be intimidating and difficult to know where to start, but let me give you some direction to successful home loans in South Africa style.

Your very first step is to find out how much you can apply for. Contact either your bank's home loans department. Or contact a professional originator that is knowledgeable in home loans in South Africa. They will be able to work out for you how much you can expect to be approved for.

Now it's time to go shopping.

Start looking around for properties in your price range. Look at property magazines or contact estate agents and let them help you find the perfect home for you.

Here is a point that is very important: your estate agent is likely to push you into using their choice of home loans originator. However, you have the right to choose. If you have found someone that you are comfortable working with and that you trust, no one can force you into anything else.

When you have found the home of your dreams, or at least something you can consider living in for a good couple of years, it's time to put in an offer to purchase. If you are making use of an estate agent they will have a standard contract that they will amend to fit your purchase. Read this through properly before you sign anything. Make sure you understand everything. You don't want any nasty surprises down the line.

The next step would be to contact your home loans originator. It is time to apply for the home loan. You will need to gather some documentation for the complete application. In general you need to supply identity documents; proof of income, bank statements and the offer to purchase that has been accepted by the seller. This will be submitted to one or more financial institutions for approval.

Following an approval, the bank will issue instructions to a conveyancing attorney to prepare the documentation that you and the sellers of the property need to sign. This is necessary for the transfer of the property to take place.

When the transfer of the property has gone through to the deeds office and been processed or registered, the property is officially yours.

Currently, home loans institutions in South Africa will not cover the full purchase price, therefore you need a deposit. The requested deposit varies depending on the purchase price and at which South African home loans institution you apply at.

I understand this is a lot for you to take in so I am happy to spend some time with you and answer any questions you have about choosing home loans in South Africa . You are welcome to contact GPF Mortgage South Africa at 086 110 6204 or send me a personal email at: info@gpfmortgage.co.za

 

Get Your Risk-FREE No-Obligation Home Loan Quote Now!

 

 


 

 






 

 

 

 





We specialise in SA Home Loans for South Africans and can assist with Standard Bank Home Loans, FNB Home Loans, Nedbank Home Loans, ABSA Home Loans, Refinancing, Switch Bonds, Home Loans, Fixed Mortgages

Home | Contact | Privacy | About | Terms & Conditions | Blog | Mortgages | Refinancing | Sitemap

 

     www.GPFMortgage.co.za  © 2012 
Follow us on Twitter | Home Loans SA

Can You Trust Your Bond Originator? | Divorce & Home Loans: How It Affects Your Home and Your Bond | Top Tips: Home Loans For Private Sales | Home Loans SA, Dispelling the Myths | How to Pay Off Standard Bank Home Loans Sooner | Standard Bank Home Loans - What else do they offer? | Home Loans: What You Need To Know | 2 Ways a Fixed Mortgage Can Kill Your Cash Flow | ABSA Home Loans 100% Loans | ABSA 110% Home Loans | FNB Home Loans Home Equity Loan | Top 4 Requirements for a Home Loans SAapproval | What is the Minimum Credit Score Required for a Home Loan | 2 Biggest Mortgage Refinance Pitfalls | 3 Things You Must now about Fixed Rate Home Loans | 3 Steps to Successfull Home Loans | 100% FNB Home Loans | How Are Standard Bank Home Loans Approved?

This website is not affiliated or endorsed by any bank or financial institution in any way whatsoever.
We are an independent mortgage originator



 

 

 

 

 

 

 

Specialising in Home Loans in SA, including:
FNB Home Loans
Standard Bank Home Loans
Nedbank Home Loans
ABSA Home Loans

Client Success Stories

"My bank turned down my application but approved it when I used your services. I was kept up to date and got the necessary information which allowed me to make an informed decision.

I am particularly happy about the fixed rate you negotiated for me. This country needs more people like you..."

Mrs. Mhlanga, Waterkloof, Pretoria.

~~~~~~~~~~~~~~~~~~~~~~~~

"Hi Zulika, thanks for the great e-mails I received from you, it really opened my eyes. I will think twice before doing anything hastily again. You have saved me thousands of Rands already"

Mr. L. Lemmers, Cape Town

~~~~~~~~~~~~~~~~~~~~~~~~~

"We saved R8,300 pm on debt payments. I would really like to thank you for all your assistance in acquiring a 2nd & 3rd bond for us."

Mr. B. Botha, Bellville, Cape Town.

~~~~~~~~~~~~~~~~~~~~~~~~~

"Since, I could not get the assistance from my own bank without their superior attitude, I decided to approach GPF Mortgage. They were the most helpful consultants I came across and they kept me up to date and in the loop at all the times without ever making me feel inferior because of my financial situation.

I had all my questions explained to my satisfaction during the loan processing period and the terms of the loan were exactly what I expected. I am happy with the level quality of service I received and would definitely recommend you to my friends"

Ms. R. Odendaal, Alberton

zulika van heerden
GPF Mortgage
Zulika van Heerden

Home    
Refinancing Home Loans

Free Report:

   What Bank’s Don’t Want You to Know
   Dirty Little Financing Secrets

Standard Bank Home Loans

Absa Home Loans
Home Loans SA
FNB Home Loans
Nedbank Home Loans
Latest Home Loan Articles:
   4 Easy Steps to Get Your Home Loan Approved
   5 Top Tips to Pay Off Your Home Loan Sooner
   How to Recognize a Bad Mortgage Loans
Client Success Stories
Popular Reports:
   15 Mistakes Buyers Make And How To
Avoid Them

   9 Critical Questions You Must Ask Before Applying For A Home Loan

Facebook

Twitter
About Us
Contact Us

 
 

GPF Mortgage
Zulika van Heerden
SA Home Loan & Mortgage Expert
0861 106 204


6 Hassle-free Financing
5 Pay Zero Junk Fees
3 No Deposit
2 Fastest Way to Get A Home Loan
4 Easy Pre-qualification
3 Easier Credit Qualifying
2 Highest Success Rate in Getting Home Loans Approved
2 Big Reductions on your Monthly Repayments
1 Save Thousands of Rands On Your Home Loan
 
 

 

3L Belle Cape Building, 13 Blanckenberg Street, Bellville, 7530 |