This is what motivates us to do better… Contact Now! This allows you to register a higher bond amount (more than the purchase price), that could be used in future. Confirm Password. But remember, neither pre-approval nor pre-qualification (we’ll stick with “pre-approval” from here on out to make it simple) is a guarantee that you’ll get a home loan. Welcome to SA Home Loans! The ooba bond indicator is a FREE online prequalification tool that allows you to check your credit score and establish what you can realistically afford in a matter of minutes. Building Loans. A pre‑approval will give you the estimated amount you may qualify for, so you are able to look at properties within your price range. The amount approved will be dependent on the value of your property. Ratio to Income. Password. BUY A HOME REFINANCE YOUR HOME. Open this panel. Better Rate Calculator. A pre‑approval will give you the estimated amount you may qualify for, so you are able to look at properties within your price range # 2 Make your offer stand out from the crowd. Whether you’re a first-time buyer, building a house or looking to switch your bond for a better deal, it only takes 15 minutes to apply online with SA’s Number 1 Home Loan Provider. EXPERT ADVICE & ASSISTANCE FROM TOP HOME LOAN SPECIALISTS! Please check your inbox. We will guide you through the process. An issuer must seek approval from us when considering any material changes to the contractual terms of a RCB or RCB programme. I worked with Leanne from BetterBond and the help that she gave us to get our bond approved by a bank was phenomenal. Through the pre‑approval process, you might find that you need to clean up your credit record, or perhaps you need to provide better proof of income, especially if you're self-employed. And while that might set you back a few weeks, in the long run it's well worth doing, because a pre‑approval will dramatically improve your chances of actually getting your loan application approved — and at a preferential interest rate! Get started. *All insurance products are offered by BetterLife Distribution Services Proprietary Limited, trading as BetterSure Financial Consultants, an authorised financial services provider (FSP Licence No. The best way to find a suitable bond originator is by researching and comparing them through the Internet. Gathering all needed documents (payslips, bank statements, etc.). Here's how to avoid temptation — and the after burn! Assessing the market to find a mortgage bond product that fits the clients needs at the lowest possible interest rate. Fast, simple and completely free! Plan for all the costs in advance. In fact, that dream home could end up a disaster if you don't deal with your finances first. And if you work with BetterBond, your chances will be boosted even further — our current approval rate (for clients that pre‑approve with us first) is 90% of applications we submit to the banks on your behalf, while the open-market rate hovers around 35% at the moment. With over 30 years combined experience, if you’re thinking of selling or buying, we’d love to share our knowledge and expertise. Whether you're a first-time buyer, a property investor or wanting to switch your bond, you've come to the right place. Open the vehicle information panel.? Better Compare can assist to pre-approve your home loan based on your affordability and to also get quotes from up to 8 Banks at once to help ensure you are getting the best home loan interest rate. As one of South Africa’s leading bond originators we process thousands of applications every month and we look forward to assisting you get into your dream home. Better Bond. We can help you with... New Hom e Loans. Completing a lender application form. A lot more work, but you ultimately get a better rate. Whether you're a first-time buyer, a property investor or wanting to switch your bond… Get a pre-approval online and see how much you will qualify for - it will take you 40 seconds Compare all 4 major banks in South Africa . The banks policy is that a Home Owner may not use more than 30% of his/her gross income towards a second bond. Our wish list for that dream home usually doesn't quite balance out with our budget. The bond process can be very daunting and stressful, so when I applied to ooba Home Loans for finance, I expected it to be a lot more arduous than it has been. Use our interest rate slider to see how much a Better rate could save you. Better Rate Calculator. Send a message. On the film review aggregator website Rotten Tomatoes, a set of films have a 100% approval rating. Total loan amount R 0.00. And it's all too easy when you've seen something you really love and want — those sweeping lawns with stylised shrubbery, that shiny chef's kitchen and wondrous wet room, or that fine architectural specimen in your favourite area. On top of this, it gives you the confidence to make a firm offer to purchase (OTP), and sellers are more likely to accept your offer because you'll have the funds to back it. Loan to Value. Shopping for a new home before you shop for a home loan is a bit like eating pudding before your main meal — it's sublimely sweet for a moment, but it's likely to leave you with a lasting belly ache. Better Bond Address: 135 Main Rd, Somerset West, 7130, South Africa City of Western Cape Phone number: 021 852 6600,, Fax: 021 852 7289 Categories: Home Loans, The calculation result email has been sent. One application. We give away our profits. And, joy of joys, the process of pre‑approval is really not all that complicated and time-consuming — but it will show you all the financial issues you'll need to fix before you can go ahead with the hunt for a home loan and a dream home. Simply slide to the bond … And if you work with BetterBond, your chances will be boosted even further — our current approval rate (for clients that pre‑approve with us first) is 90% of applications we submit to the banks on your behalf, … 15737), an authorised financial services provider. BetterLife Distribution Services (Pty) Ltd trading as BetterSure Financial Consultants is an Authorised Financial Services Provider FSP no: 24015. This means that the bond value has been approved but is still … Improving your financial standing increases your chances of a successful bond application. Whether you're a first-time buyer, a property investor or wanting to switch your bond, you've come to the right place. It is better than applying for a traditional loan because it will give a clear picture of the car buying process. You soon find yourself rationalising about why you actually, well, deserve it (like that second dish of dessert!). Pre-approval should be part of your plan, 'Buyer's block': How to hit the restart button on your home search, BetterBond © 2021 | BetterLife Group | All rights reserved, Pick your priorities: finances first, house-hunting later, Rent-to-buy property – your questions answered, What to look out for when buying a property. Useful Documents. Pre-Qualification. Welcome to SA Home Loans! ESC. From … Multiple bond quotes. Getting pre-approved early can help you be ready to send in an offer ASAP because you won’t have to wait a couple of days … The bond approval process; Once your chosen Bank has received all the relevant documents, the approval process begins. With over 30 years combined … Loans. Bond originators issue letters of pre-approval and can help you to save time when locating a good lender. Make your next big move the right move, with the help of our calculators, step-by-step … CALL NOW - 086 002 3995. Now would be a good time to pull up the handbrake so that you won't find yourself in unmanageable debt. If you’d like to take out a new bond on your existing bond-free home, in order to access cash out of the property, use this calculator to see what your expected repayment would be. Changes to regulated covered bond programmes. Get approved. This method can also increase the amount you qualify for, enabling you to purchase an even better property. Tanielle Cornwall from Better Bond Thank you for your excellent service. Once you completed and submitted the Online Pre-Approval, a consultant will calculate what you can qualify for. Bond originators issue letters of pre-approval and can help you to save time when locating a good lender. Make your offer stand out from the crowd. You get the best deal. According to Geldenhuys, over 80% of these applicants are being approved for finance, and four out of five are successful in their bid to secure a 100% bond. Finance Articles | March 2, 2017. How a bond originator can help you However, the industry has experienced extremely rapid growth since its introduction in 1999, and today approximately 60% of all home loan … On Friday I sent through all my documentation to Saraphina Ntsele as soon as I received the email from her requesting the documentation. The bond approval process can commence once all the credit and FICA requirements are met. About Us - Get@Bond. It has been the exact opposite because of ooba’s amazing service. If you have any questions you can contact us or visit our Discover section 041 368 1981. Neither is an offer to lend, a commitment to make a loan or a guarantee of specific rates or terms. BetterLife Distribution Services (Pty) Ltd trading as BetterSure Financial Consultants is an Authorised Financial Services Provider FSP no: 24015, BetterBond © 2021 | BetterLife Group | All rights reserved. Getting a pre-approved bond can therefore help you firm up your offer substantially. This valuation is done to ensure the Bank that the property being purchased reflects its true value. And suddenly you're making plans to get it! Call Me Back! Many financial institutions offer pre-approved home loans to help homeowners in their hunt for the perfect house. Simply slide to the bond amount you are applying for, to see how much a potential variance of 0,5% in interest … I agree to the Terms & Conditions. Registration costs will be determined by the Future Choice bond amount. Home; About Us . Use this interest rate slider to see how much a Better rate could save you. Disclaimer. Pre-approved bonds give prospective homeowners the confidence to shop – and put down solid offers – within a known price bracket. In our experience, when you compare multiple bank offers side-by-side, their interest rates typically vary by 0.5% - sometimes more - so shopping around will ensure the banks compete for your deal. Search Here: For example: Architects in Cape Town. Get in touch. → Navigate right through the vehicles information. You'll know where you stand with your credit record. About the authors: The above article “Top 5 Reasons A Mortgage Is Denied After Pre-Approval” was provided by the Keith Hiscock Sold Team (Keith & Kyle Hiscock). The amount approved will be dependent on the value of your property. We use cookies to make your experience with us better. for existing bond account holders. More 100% home loans are being approved. Probate Pre-Approval Bond Form CBS AGENCY, INC. (a Subsidiary of the Columbus Bar Association) 175 S. Third St., Suite 1100, Columbus, OH 43215 (614) 340-2076 ∙ Fax: (614) 340-2080 ∙ bonds… — buyer. Short-term insurance policies sold before 1 March 2019 are underwritten and administered by Auto and General Insurance Company Limited, an authorised financial services provider (FSP Licence No. They are informative, patient and extremely helpful. 24015). ← Navigate left through the vehicles information. Report review. If you’d like to take out a new bond on your existing bond … VEHICLES. The ooba Bond Indicator is a FREE online affordability tool that allows you to check your credit score and establish what you can realistically afford in a matter of minutes. With over 30 years combined … bond originators issue letters of pre-approval and can help you firm up offer... Betterlife Distribution services ( Pty ) Ltd trading as BetterSure Financial Consultants is an Authorised Financial services FSP... 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