Home Loans: 20 year bonds vs 30 years

One of the most frequently asked questions we receive from our clients is whether they should apply for a 20 year bond, or whether they should extend their home loan term up to the maximum of 30 years. There are number of advantages and disadvantages to each type of bond, Read more…

Is Residential Property A Good Investment?

The decision to invest in property is often quite debatable. It depends on the current market climate – whether house prices are growing quickly or declining, and whether you’re buying the property as a primary residence or as an investment that can produce rental income. The property market has certainly Read more…

Banks’ Present Interest Rate Offerings

Over and above securing the actual capital finance for a new property purchase, it is important to understand the range of interest rates banks are presently financing at and how the personal aspects of your application can affect the interest rate offered on your home loan. Some important factors that Read more…

Home Loans For Low Income Earners

All the majors banks in South Africa now offer home loans for low income earners. These bonds are available to families who are unable to qualify for RDP houses, housing subsidies, or who were previously unable to meet the minimum requirements to secure a home loan from the bank. South Read more…

Benefits Of An Access Bond

The benefits of an access bond has become so clear that most new home loan accounts are now access bonds too. The range of types of home loans available these days has grown tremendously, and all the major banks now offer Access Bonds. Basically, an access bond is a home Read more…