Remortgages

Full Application To complete the online application form will take you about 10 - 15 minutes. The first step is a simple registration. Remember, once you have registered, your information is saved and you can exit the application form and return again at any time to complete the online application at your own convenience. best mortgage re

Off line forms

available if you do not feel comfortable submitting the MortgageSA application form online, we have a variety of offline options available for you to use. Have you purchased your home yet No Yes end middle column right column tips table What supporting documentation do I require What can I expect once I have submitted my application I m nervous about providing personal information online, is this site secure How do I complete an online application Can I apply for a loan before I find a property to purchase If I have obtained a pre-qualification through MortgageSA, how will I obtain a full loan grant after I purchase a home How do I access one of my existing applications mortgage re

competition You follow the sport religiously, wait in anticipation for the major events and, watch every bit of the action on TV. Now, imagine being able to all experience it all first-hand! That s right, MortgageSA is offering one lucky home loan customer the chance to win a sporting travel adventure of a lifetime, worth R55 000!

• Picture yourself in the streets of Monte Carlo, watching the world s most famous and excting Formula 1 Grand Prix as you rub shoulders with some of Europe s premier socialites. bad credit mortgage re uk

OR

• Witness the awe-inspiring Haka as you watch the great rugby nations of the Southern Hemisphere do battle in the Tri-Nations. french mortgage re

• OR

• Work with our travel partner to tailor-make your own distinct travel adventure to the value of R55 000.00 (Travel voucher expires 12 months after issue) mortgage re uk mortgages

HOW TO ENTER:

Simply take out a home loan (new or 2nd bond) through MortgageSA between 27 April 2007 and 31 July 2007 and your name will be entered into the Grand Prize draw. Remember, your bond needs to be processed and granted through MortgageSA during these dates to qualify. The winner will be drawn and announced in November 2007, to travel during 2008. mortgage re uk mortgage

It s as easy as that! APPLY FOR YOUR BOND NOW Terms and conditions apply financing mortgage re

Registration Existing user New member registration I m nervous about providing personal information online, is this site secure Glossary Frequently asked questions Need prequalified finance, a new loan or further loan Click the button below to submit your details and have one of our consultants call you back. My Folder Login mortgage re uk

Introduction Prequalification 30 second application Full application Further loan application Business Mortgage application

Introduction Welcome to MortgageSA s application center, where we will guide you through the home loan process and find the right loan for you. Our easy to use home loan interview, application forms and Quick Help will assist you in becoming a more informed homebuyer, with better buying power. association lender mortgage

APPLY ONLINE How long will it take to approve my loan Review our application checklist What is My Folder Login Glossary Frequently asked questions

Need prequalified finance, a new loan or further loan Click the button below to submit your details and have one of our consultants call you back. My Folder Login best deal mortgage re

Offers a mortgage protection insurance policy, in the event of their death, disability or retrenchment. Apply online for home loans and bonds. Professional advice for buying a home.

To have one of our Insurance consultants contact you at a convenient time, please click Call back to submit your details My Folder Login end right column in midlands mortgage re

Mortgage services deals with a variety of property related legal matters, including conveyancing process and the costs involved, as well as home loans and bonds, preapproval for home loans, calculators for bond registration and transfer costs.

Our Glossary explains key terms and phrases used in property sale agreements and the conveyancing process. mortgage quote re

Introduction Buildings Insurance Mortgage Protection Plan Short term insurance Financial planning services Compliance Call me Need a home loan in a hurry Remortgages Re Mortgage Re middle column

Introduction SAFE AS HOUSES TAKING THE GUESSWORK OUT OF YOUR FINANCIAL FUTURE broker mortgage online re

Our promise to our clients is that of ever-greater convenience, choice, service, protection and advice. With the bargaining power of -MortgageSA, putting together a deal that is as individual as your needs, is possible. finance mortgage re

Introduction News centre Career opportunities Contact us Security and Privacy FAQ s Glossary Need a home loan in a hurry Remortgages Re Mortgage Re A.K change height of line_vert from 24t to 275 21/12/2004 middle column Introduction

- South Africa s Top Non Listed Company 2004 bad credit mortgage re

MortgageSA pioneered home loan origination in South Africa and today is the country s leading home loan facilitator; placing one in every five homebuyers into their new homes. MortgageSA provides a turn-key solution from property search, right through to financing the purchase and obtaining insurance cover. We offer innovative and tailored solutions for our clients property finance and financial planning requirements. broker mortgage re

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Contact information Corporate Headquarters: Physical Address: 8th Floor, MortgageSA House, advice mortgage re

33 Bree Street Cape Town 8001 Postal Address: P O Box 1535 8000 Tel: (+27 21) 481-7300 Fax: (+27 21) 481-7387 Copy Changes (A.K 01/08/2006) Saul Geffen Managing Director Fax: (+27 21) 421-3645 Graham Paterson Business Intelligence Director Fax: (+27 21) 481-7386 Cell: (083) 457-9400 Herman Stals Financial Director Cell: (082) 335-4880 Gavin Southwell National Sales Director Rhys Dyer Insurance Director> bad consolidation debt

Calculate Costs

Apply Online end right column bad credit loan mortgage re

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Glossary A B C D E F G H I J K L M N O P Q R S T U V W X Y Z home loan mortgage re

Access Bond This facility allows you to draw funds up to a predetermined loan amount. Accrued Interest Interest earned but not yet paid. Administration Fee Fee charged by a lender to cover the initial costs of processing a loan application. The fee may include the cost of obtaining a property appraisal, a credit report, or other closing costs incurred during the process or the fee may be in addition to these charges.

Building Contract A Contract between the land buyer and the builder, outlining the specifications of the building. Building Loan A Loan granted to a buyer who buys a vacant plot of land on which he intends to build Buyer s Market Market conditions that favour buyers. With more sellers than buyers in the market, sellers may be forced to make substantial price concessions. Capped Rate Consumer safeguards which limit the amount the interest rate on an adjustable rate mortgage can change in an adjustment interval and/or over the life of the loan. bad debt mortgage re

Ceiling The maximum allowable interest rate of a variable rate mortgage Collateral Assets (such as your home) pledged as security for a home loan Commission Money paid to a real estate agent or broker for negotiating a real estate or loan transaction. Contract of Sale The agreement between the buyer and seller on the purchase price, terms, and conditions of a sale. Conveyance The document used to effect a transfer, such as a deed, or mortgage. mortgage online re

Cooling off period This clause is included in an offer to purchase a property under R250 000. It is based on a new law allowing first time home buyers the opportunity to change their minds within five days of signing the offer. Credit Bureau A credit bureau is a clearinghouse for credit history information. Credit Report / profile A report detailing the credit history of a prospective borrower that s used to help determine borrower creditworthiness. There are 2 main Credit companies used by lenders in South Africa, namely ITC and Experian. These companies collate credit history on individuals and companies, which they obtain from various sources in the retail market place and legal system. Your bank account history is another important source of credit information used by lenders in assessing your credit profile. ireland mortgage re

Term The period of time between the beginning loan date on the legal documents and the date the entire balance of the loan is due. Title Deed Document which gives evidence of ownership of a property. Also indicates the rights of ownership and possession of the property Transfer fee Fee paid to transfer the property from the seller into the name of the buyer

Underwriting In mortgage lending, the process of determining the risks involved in a particular loan and establishing suitable terms and conditions for the loan. certification mortgage re self

Mortgage News Centre offers press contacts, releases and information, as well as highlights and industry news. Introduction News centre Career opportunities Contact us Security and Privacy FAQ s Glossary A.K change height of line_vert from 24t to 275 21/12/2004 middle column

News centre Featured Articles 3 Little steps to financial peace of mind loan mortgage re

Homebuying blindspot costing South Africans Millions Save, don t spend is expected message for Budget 07 Top tips for buyers - Taking the guesswork out of buying your home

To search the MortgageSA news article archive simply enter a keyword in the box below, select a category and date range and hit the Search button. Results of the search will be displayed below. finance maryland mortgage re

Enter keywords to search for * * Help Category - Select one - Industry news Mortgage SA * All Mortgage SA Industry news Date All Last month Last 3 months Last 6 months Last 12 months * loan mortgage re uk

Search Clear results end middle column right column tips table Need some additional information Glossary Frequently asked questions end tips table

Need prequalified finance, a new loan or further loan Click the button below to submit your details and have one of our consultants call you back. cert mortgage re self

Introduction Affordability calculator Bond registration and transfer costs calculator Amortization calculator Home loan options Interest rate calculator Interest rate concession Call me Need a home loan in a hurry Remortgages Re Mortgage Re

Call me Please complete and submit this short form to have an experienced MortgageSA property finance consultant contact you at a convenient time to discuss your property finance requirements. best mortgage re

Read more about the

benefits of prequalification here First name * * Surname * * Email * * Home phone * * Work phone * * Cellphone * *(please supply at least one valid telephone number) * Bug 8541 (General) In order for MortgageSA to issue you with a pre-qualification certificate, we need to conduct a credit check. All your information will be treated as strictly confidential. mortgage re

Do you agree to MortgageSA conducting a credit check * not selected No Yes * Loan type - Select one - Further Loan New loan Other Prequalification * If other, specify * Reason for loan * - Select one - Build a new home Buy an existing home Buy vacant land Home improvements Other (Specify) Preapproval * bad credit mortgage re uk

Where did you find / hear about www.mortgagesa.com * - Select one - Radio ad Newspaper property ad Referral Search engine Showhouse brochure Agreement of Sale Magazine ad Other websites Property websites * Are you actively lookingor a property to purchase * french mortgage re

- Select one - No Yes

* Have you already signed an offer to purchase * - Select one - No Yes * End of General Additional Requirements * Fields marked with an asterisk (*) are compulsory tips table What can I expect after submitting the Call Me form Glossary Frequently asked questions end tips table mortgage re uk mortgages

My Folder Login Apply Online Introduction Affordability calculator Bond registration and transfer costs calculator Amortization calculator Home loan options Interest rate calculator Interest rate concession Call me

Affordability Calculator Before looking for your home, it benefits you to know what you can afford, and how much a property will cost you in terms of bond repayments and the total cost of the loan. We have two affordability calculators available, which will assist you in determining these costs. mortgage re uk mortgage

The advanced, interactive, what if home loan calculator, is more suitable for those familiar with the complexities of the home loan process. To launch this calculator, please click on the button below. It will take a couple of seconds to open, so please be patient. financing mortgage re

Cannot view the calculator Remortgages Re Mortgage Re to download Java Home loan affordability calculator

Our second affordability calculator, is designed to answer the three most important questions when considering your affordability. Detailed instructions on how to use this calculator, can be found in the Quick Help Section. How to use this affordability calculator. What are the monthly instalments What should be included in my gross monthly income What is meant by Instalment to Income What is the Loan to Value (LTV) % What is the Additional Monthly amount What is the desired interest rate What is the repayment term mortgage re uk

Introduction Affordability calculator Bond registration and transfer costs calculator Amortization calculator Home loan options Interest rate calculator Interest rate concession Call me Need a home loan in a hurry Remortgages Re Mortgage Re

Home loan options association lender mortgage

Variable Rate Fixed Rate Step-down / Reducing rate BA Linked Rate 1st time Homeowner Description If interest rates rise or drop, the borrowers home loan rate will rise of fall accordingly. This facility is taken up when the borrower believes interest rates are falling and is not too concerned about rising interest rates Regardless of whether variable rate home loan rates rise of fall, the fixed interest rate for the agreed period will continue to apply. This facility is taken up if the borrower is of the view that interest rates are rising and may do so during the contracted period best deal mortgage re

Regardless of whether the home loan interest rate rises or falls, the reducing rate option will apply for the agreed period (usually less than 5 years). This facility agrees that your interest rate will decrease by a set percentage every three to six months for the agreed period in midlands mortgage re

This option guarantees a fixed rate for 3 months. The rate will change every three months in line with the cost of short term funding rates. This type of product normally has a minimum loan size and a maximum loan to value qualification criteria mortgage quote re

This product allows the borrower to lend more than 100% of the property value. It is geared for the first time homeowner and allows the borrower to include registration and transfer costs within the purchase price of the home broker mortgage online re

Advantages

A lower initial interest rate as the risk to the lender is less You can borrow more There is no risk that your payments will go up during the chosen period It is easier to budget Peace of mind The advantages and disadvantages are similar to those of the fixed rate option. It is a hybrid of the fixed rate option The interest rate will normally be lower than the variable interest rate available finance mortgage re

Fixed for three months therefore easier to budget No deposit is required Borrower need not have cash to pay for the associated costs incurred in purchasing the property Disadvantages The interest rate might go up Higher initial interest rate due to greater risk borne by the lender Harder to qualify for, as initial instalments are higher Should this option be terminated before the expiry date, an additional finance charge will be levied by the lender bad credit mortgage re

Harder to qualify for as the borrower needs to have substantial deposit available Can only fix the rate for a short period Targeted at a specific market segment, i.e the first time homeowner broker mortgage re

Introduction Affordability calculator Bond registration and transfer costs calculator Amortization calculator Home loan options Interest rate calculator Interest rate concession Call me

Introduction Need some help Click on Call me to have an experienced MortgageSA property finance consultant contact you, to give you advice and assist you throughout the entire home financing process. advice mortgage re

There are many financial decisions involved in purchasing and financing a home. Our interactive calculators will help you make the best decision. Our Affordability calculator will help you assess how much you can afford and what your monthly installments will be. Our Bond registration and transfer cost calculator allows you to calculate the hidden costs associated with home financing and their impact on the final loan amount you require. bad consolidation debt

The Amortization schedule enables you to view the month by month breakdown in terms of interest and capital reduction payments, over the life of a bond. When it comes to home financing, there are a variety of Home loan options and Interest rate options to choose from. How do you find the loan that s best for you Browse through these options online, or complete our Call me to have an experienced MortgageSA consultant contact you. bad credit loan mortgage re

Comparitive interest rate tables The rates quoted below are the base rates per category, and may attract concessions depending on factors such as loan to value, size of the loan and affordability. Interest rate options - Select one - Fixed Variable rate * Purchase price * Bond amount * Loan to Value (LTV) * Search home loan mortgage re

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