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First Time Buyer

Welcome to the most exciting process in your life. We are honored to assist you and will make sure that you feel comfortable and very well informed during the course of the home loan application process. As a first time buyer we understand the stress you will be going through and it is our aim to take that away from you to be able to enjoy the process.

We can offer you, as a first time buyer, an array of choice starting with whether you qualify for the costs included or not.

Self Employed

As a self employed individual, we understand that not any set of financial information is the same as another self employed person and not cookie cutter. We proud ourselves in being the premier mortgage origination company to assist self employed individuals to get a taylor made bond. We will work closely with your bookkeeper or accountant and will also provide examples of how we want certain documents presented to make your home loan process more streamlined and understandable to the banks.

For this reason we have created your own personal home loan application process under our Design a bond link. (sit dalk die logo as die link)

We are looking forward to making bond magic for you.

Clients Who want the best possible Deal

All clients want the best possible deal and ONLY via our home loan channel can we guarantee (sit dit in die logo vorm)  you the best home loan package. The banks expect us to give all our clients the best value proposition as well as make sure you are fully informed as to what the whole process entails. We want  you to have all the offerings from all the banks in order for you to see how you score. Our skilled consultants will make sure that all the avenues and tools are used to make sure you get the best package  and make sure you see all the banks terms and conditions before you decide which bank to accept.

We aim to inform you of all the options and progress of your application  as we want a satisfied client once the bond registration process has been finalized.

Time Sensitive Buyers

With the clock ticking or whether you are the second purchaser on a property, we will expedite your application to get you a bond approval asap. We will work closely with the transfer attorneys as well as the estate agent in order to get the first purchaser placed under 72 hours. We make a concerted effort to work non stop on your application as we understand the additional pressure to perform.

We can only guarantee a home loan if we submitted the application and cannot work on any other home loan channel’s bond application you might have used before coming to us

Investors

We welcome our Investor clients as our Guaranteed Bond process will give you the peace of mind that whether you want to do a Tax transaction under the 13 Sex Act or just starting off with one Investment property in order to grow your portfolio in the future, we’ve got your back.

We understand the value of investing in property and want to be part of your wealth creation process.

So whether you are buying in an entity or just in your name, we will explain the options to you and can even offer investment property opportunities via our array of developers who work with us.

Clients who expect a guaranteed bond

We know you might have had financial difficulties in the past, whether you have been under debt review or have been sequestrated and completed the rehabilitation process, we are here for you.

We will make sure that all credit bureaus have been updated as well as the banks internal debt review indicators removed before we will submit your bond application. This might take time and we suggest if you first want to see that all is cleared, to make contact with us to go through the process.

This process requires a close working relationship between us and yourself as we need certain court documents and if the credit bureaus have not been updated, there might be a cost involved to go through this process. We will make sure you are directed to the company we use to assist you to clear your credit bureaus if you need this service and all fees will be discussed upfront.

We treat all applications with the utmost confidentiality.

Disclaimer

Guaranteed Home Loans can only Guarantee you your home loan approval if we have authenticated your documentation and one of our consultants assisted you in the bond calculation process. Please click on the link below for assistance and guidance.

The estimates contained on this webpage are provided for general information purposes and should be used as a guide only. While every effort is made to ensure the accuracy of the calculator, Guaranteed Home Loans cannot be held liable for any loss or damage arising directly or indirectly from the use of this calculator, including any incorrect information generated by this calculator, and/or arising pursuant to your reliance on such information.

How to use the bond calculator:

Income:

Please type in your gross salary not cost to company
Please type in the deductions as per your salary advice
Please type in commission average (calculated on the gross amount over a 6 month period divided by 6)
Please type in the rental received (if applicable) this amount must reflect on the rental agreement and in your bank account

Expenses:

Please feel free to play around with your expense scenarios as we will double check it against your bank statements and via the credit bureaus before we will submit your home loan application. It is recommended that you try and stay as close to your real expenses as we need to see what your surplus amount will be after a bond repayment.

We can only use 30% of your gross income as a home loan qualification indicator but once we submit your application, we might request to the banks to consider a marginally higher percentage. This will be determined by the amount of expenses/debt you have.

We default the interest rate to 7.25% currently being the prime lending rate but we can assure you, your interest rate will be determined by your individual profile. We aim to get you the best home loan package as this is our guarantee to you. (dalk weer on logo en font vir die guarantee)

Once you have calculated your home loan figures and you want us to verify this, please click on the link below and send us the information you used. We will get back to you asap with the confirmation of the bond figures you have supplied or an amendment for your perusal.

Please complete the form below and we will be in touch to get the process started.

Please complete the form below and we will be in touch to get the process started.