Gpf Mortgage
Loan in Cape Town

We will provide all South Africa Homeloans, Mortgages and Refinancing assistance. Specializing in 100% Home Loans, 24hr turn around on Feedback, Home Loans SA, Fast Approval.

Fixed mortgages rates are higher You should also be aware that fixed mortgages are locked in at higher rates than the prevailing prime interest rate. If the current trend in interest rates is that it’s going up, and rates normally go up in 0.5% increments, it means that if you had a variable rate it would take you almost a year to get to 13.05%. That means that having a variable interest rate would still allow you to save as the rate goes up, rather than having a fixed interest rate. As an independent bond originator (home loan broker) our job is to find you the best priced home loan in South Africa. We work for YOU and not the banks, cutting your cost and saving you money. Refinance your home loan and reduce your monthly repayments or apply for a second bond and get the cash flow you need for home improvements or use the funds to consolidate your debt. I’ve been working as a bond originator (home loan broker) in the home financing and real estate business for over 14 years. It is such a tragedy because the majority of those declined home loan applications could have been saved if those home buyers did not go to their bank first. Sadly, most people do not realize how beneficial it can be to get a home loan expert on their side that’s prepared to roll up her sleeves to get your home loan approved at the lowest possible interest rate. So, why add more stress and worry to your life fighting with incompetent call centre consultants at the bank? Let someone else do the fighting on your behalf so that you can free up more time to spend with your family and friends. It is a very rewarding experience to help my clients to get the finance they need. Like anything in life if you study something long enough, you’ll become an expert. In addition, if you have a good credit record you could qualify for a home loan well below the prime interest rate that your bank is offering you. If interest rates are low you can switch your home loan to another lender in order to lock in a lower interest rate. You could also use the services of a bond originator to help you refinance your home loan for a better interest rate than you're getting at your current lender. Refinancing also allows you to get access to the equity in your home which you have built up over the years. Sometimes also called a home equity loan, it allows you to borrow funds against the equity that is locked up in your home. For example, if you have owned a property for a number of years, there is a good chance that the value of your home has increased. By refinancing your home you're basically getting a new mortgage bond based on what your property is worth today, and not on the amount it was valued at when you first applied for a home loan. So, if your outstanding bond is R1 million and your home is valued at R2 million there is a R1 million difference in the between the value and what you owe. You will know how much you qualify for and what we need from you to proceed with an application.