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In a hurry, or want a home loan fast Complete Our 30 second Application, and a consultant will contact you to complete the process. Prequalification Home Loan Interview Before you begin looking for a home, find out if youre likely to qualify for the loan you want ! Prequalifying gives you a general idea of your borrowing power. It is the process of determining how much money you will be eligible to borrow, prior to applying for a home loan. The information you submit during a prequalification will need to be verified once you decide to do a full home loan application. bad credit credit creditres

GET PREQUALIFIED Pre-approval If you haven t purchased your home yet you will need to get pre-approved. A pre-approval is a lenders firm commitment on a loan to you. With a pre-approval certificate from a lender, you will be able to shop for a house as if you were a cash buyer, and enter into negotiations with a seller with confidence. A pre-approval includes a preliminary screening of your credit history. It is usually valid for a period of 90 days. bad consolidation credit debt

GET PRE-APPROVED Home loan application You have found your ideal home, and now you need to finance it. Find the best home loan option to suit your individual needs by comparing rates offered by different lenders. MortgageSAs experienced property finance consultants will handle the entire application process on your behalf. Bad Credits Bad Credit to access MortgageSA s online application form for preapprovals and home loan applications. bad company credit repair

Welcome to MortgageSA s pre-qualification Home Loan Interview. Before beginning the search for your new home you should find out the home loan amount you qualify for. It only takes a couple of minutes to complete the pre-qualification interview. Upon completion, you will have an indication of the amount you will be eligible to borrow and you will be able to begin the search for your new home with confidence. bad card credit credit

Our home loan interview consists of 4 easy steps and begins with a simple registration. Step 1 is a brief assessment of your credit history. Step 2 will calculate the bond and transfer costs associated with the purchase of a property. Step 3 looks at your financial details and assesses whether or not you could be eligible for a potential interest rate concession. The final step tells you the home loan amount you pre-qualify for, and enables you to print a certificate or move straight into doing a formal home loan application. bad car credit loan

If you are a new member and have not registered on our website before, you will need to complete the New Member Registration . This automatically saves all your information. If you have registered before, you can simply go to the Returning Member login, enter your username and password and proceed to the first step of the Home Loan Interview. bad credit loan mortgage

Let an experienced property finance consultant find the best deal for you. Simply take 30 seconds to complete this information and we will contact you at your convenience. Read more about the benefits of prequalification here First name * * Surname * * Identity type * not selectedID bookPassport* ID/Passport number * Address * * Suburb * * Postal code * * Email * * Home phone number ** auto bad credit loan

Work phone ** Cellphone * *(please supply at least one valid telephone number) * Are you a first time buyer * not selectedNoYes* Occupational status * not selectedFull-time employed (non-professional)Full-time employed (professional)HousewifePart-time -employed (non-professional)Self-employed (professional)StudentTemporary employedUnemployed* 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. bad credit mortgage refinance

Do you agree to MortgageSA conducting a credit check * not selectedNoYes* About the loan I may be interested in Type of application * not selectedClosed with other personJoint with spouseTrust* Loan type * not selectedFurther LoanNew * If other, specify * Reason for loan * not selectedBuild a new homeBuy an existing homeBuy vacant landHome improvementsOther (Specify)Preapproval* Estimated purchase price * * bad credit refinance

About my finances Funds available for a deposit * Income Self Co Applicant (if applicable) Gross monthly income before deductions* * * Travel Allowance * * Other company allowance * * Average Monthly Commission * * Average Monthly Overtime * * General Where did you find / hear about www.mortgagesa.com * not selectedRadio adNewspaper property adReferralSearch engineShowhouse brochureAgreement of SaleMagazine adOther websitesProperty websites* bad credit mortgage second

Are you actively looking for a property to purchase * not selectedNoYes* Have you already signed an offer to purchase * not selectedNoYes* Comments employed Pensioner Scholar Self corporation Company Individual Joint loan Other Prequalification 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. bad credit loan student

The more information you have ready, the faster your loan will be approved, so before you begin we recommend that you have the necessary supporting documentation ready. A comprehensive list of this supporting documentation is contained in our Quick Help section bad card credit

A MortgageSA property finance consultant will contact you on receipt of your online application to collate the necessary supporting documentation required by the lender to complete the application process. MortgageSA is only able to assist with the finance for new home loans. Unfortunately, we are unable to assist with Switch Loans. bad credit financing

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 First time home owner Home buying tips Purchasing property in South Africa as a foreigner Search for a property Buying a home is exciting, but can also be a time of anxiety and apprehension. Whether you are buying a home for the first time or thinking about a second home, you re bound to have some questions. This section is designed to answer some of your questions and improve your home buying experience. bad credit home loan mortgage

If you are thinking about buying your first home, it helps to understand the options available to you, as well as the entire process and what it entails. Even if youve done it before, Its always a good idea to plan ahead and make your moving experience easier. In this section you will find information to assist you in this regard. The topics range from organising your move, to the impact of capital gains tax and the legal processes. bad credit loan people

When you are ready to explore the different loan options available to you, simply call us on 0860 0123 60, or complete our Call Me to have an experienced MortgageSA Property Finance Consultant contact you at a convenient time. bad card credit credit people

Proper planning strengthens the business structure and ensures business continuity. While scrupulously keeping tabs on everything else, most business owners tend to be without business assurance. Our comprehensive, flexible business assurance plans take into account ruling tax legislation to minimise estate duty, income tax and estate duty. bad credit guaranteed loan

Overview Product benefits Claims information Policyholders hotline FAQ s Need a home loan in a hurry Bad Credits Bad Credit middle column

Mortgage Protection Plan FREQUENTLY ASKED QUESTIONS Set out below are some questions that are asked by clients about the MortgageSA Insurance Product. Should you have any additional questions, please feel free to contact the MortgageSA Insurance Helpdesk on 0861 05 06 07. bad credit refinancing

What benefits are offered under the MortgageSA Bond Insurance Product The product offers the following benefits: bad credit equity home loan

• Accidental death benefit, applicable between bond grant and bond registration bad credit loan payday

• Death benefit (covering natural and accidental death) after bond registration bad credit repair

• Temporary disability benefit bad credit home loan uk

• Permanent disability benefit 2nd bad credit mortgage

• Retrenchment benefit (not applicable to self-employed persons) bad credit loan unsecured

• Premium waiver benefit bad consolidation credit loan

• Dread Disease benefit bad credit home loan new

Can I choose to have some of the benefits and not others bad business credit loan

Yes, the product is flexible; you can select from a choice of benefit options as follows; bad credit lender mortgage

• Death D bad credit home loan mobile

• Death Disability (Premium Waiver included) DD bad cash credit loan

• Death Retrenchment (Premium Waiver included) DR bad credit loan private

• Death Dread Disease DT bad card credit debt

• Death, Disability, Retrenchment (Premium Waiver included) DDR bad business credit loan small

• Death, Disability, Dread Disease (Premium Waiver included) DDT bad bankruptcy car credit loan

• Death, Retrenchment, Dread Disease (Premium Waiver included) DRT bad credit instant loan

• Death, Disability, Retrenchment Dread Disease (Premium Waiver included) DDRT bad credit equity loan

You can pick and choose which benefit option best suits you. The only exception to this is in regard to self-employed people, who will not be able to be covered for retrenchment benefits. bad credit georgia home loan

How are the Monthly Premiums Calculated The monthly premium is determined by the amount of cover you require and your age at the date the policy commences. The premium rate does not change as you get older, or as the outstanding home loan amount reduces. Will I be required to go for medicals before I am accepted for cover under the policy You will be accepted for cover, free of any medical evidence, for cover up to and including R1 250 000. Please note however that there is a pre-existing condition exclusion under the policy. What this means is that if you have a medical condition that you are aware of (or ought to be aware of) when taking out the policy, and you subsequently claim under the death, dread disease, permanent disability or temporary disability benefits as a result of that condition, then the benefits under the policy will not be paid out. application bad card credit

You will be afforded the opportunity to go for medicals, at the Insurer expense, after the policy commences in order to have this exclusion removed. If the results of this medical evidence are favorable, the Insurer may remove the pre-existing condition exclusion from your policy. bad credit home loan va

Is cover offered for joint lives The second life assured is able to obtain full cover for all benefits. The 2nd life will receive a 20 % discount on the death cover benefit. There is no specific discount to the 2nd life for the Disability, Dread Disease or Retrenchment benefits, however the 20 % discount on death will be carried through to all benefit combinations. The 2nd life can also elect a different benefit selection to the 1st life. bad credit home loa

If I do not make a claim throughout the entire term of the policy, will there be any refund of premium or surrender value paid, when the policy ceases No, the policy is a risk only policy. There is no investment element to the policy. If there is no claim paid during the term of the policy, there will be no refund of premiums, or return of any surrender value. Who should I contact if I have a query regarding my policy bad car credit loan new

You should contact the MortgageSA Insurance Helpdesk on 0861 05 06 07. Alternatively you can E-Mail your query to myinsurance@mortgagesa.com end middle column right column 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 bad credit home loan really

Overview Services Contact information Need a home loan in a hurry Bad Credits Bad Credit middle column

Financial Planning Services CONTACT INFORMATION FOR FREE INDEPENDENT ADVICE PLEASE CONTACT: IAN MCDONALD - MANAGER FINANCIAL PLANNING SERVICES Ian.Mcdonald@mortgagesa.za.net A.K change no (481-7300) 14/03/2006TEL: (021) 528-4800 bad credit fix

Overview Product Information Claims Policyholders Hotline FAQ s

Buildings Insurance What does buildings insurance cover Just imagine for a moment that you could turn your property upside down and all the loose items such as the furniture, ornaments and other items fall out. What you ll be left with is the buildings, outbuildings, garages, swimming pools, walls, paving with all their fixtures and fittings these are the items that are insured under a buildings insurance policy. bad credit down home loan

Buildings Insurance protects the structure of your home as well as all the permanent fixtures and fittings in the event of fire, floods, lightning and other unforeseen causes. How much should I insure my home for For buildings insurance, you need enough cover to rebuild your home and replace all the fixtures and fitting within the home from scratch. There may be a significant difference between the actual replacement cost of the buildings and the market value of your property (which includes the stand, its location, as well as the age and condition of the property). The Buildings Insurance policy provides cover on a new for old basis, therefore it is critical to assess the costs you would incur if you had to rebuild your home at today s building prices. bad credit lender

The cost of building materials and the cost of building labour changes on an ongoing basis. You need to ensure that the sum insured that your property is covered for is adequate on an ongoing basis. If you under-insure your property, you will find, at the time of claiming, that the insurer will not settle your entire claim. bad buy car credit

Your MortgageSA Consultant can advise the basis on which to calculate the replacement cost for your property. What happens if damage is caused to your property when you have tenants in the property The cover under this policy will NOT be invalidated by any act or omission of a tenant, without the policyholders knowledge, provided the policyholder notifies the Insurer in writing as soon as he is made aware of such act or omission. bad bank credit loan personal

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