We specialize in obtaining the best possible home loans from all the leading financial institutions. Our aim is to save you time and money. This is a free services to you. No hidden cost whatsoever involved.

Residential Homes

Small Holdings

Full & Sectional

Fixed Rate Option -- A Your interest rate is fixed for a period of one to two years. Generally the fixed rate will most certainly be higher than the bas home loan rate. This option protects you from rising interest rate but you will not benefit from any decreases in the interest rate.

Variable Rate Option -- With the variable rate option, your interest rate is linked to the base home loan rate which moves up and down depending on current market conditions. Most popular option in SA.

First Time Buyers -- This specialist loan is design specifically for strapped first time buyers to lend more than 100% of the value of the property. This meaning you can add registration and bond cost to your home loan. The ideal option to enter the property market.
Capped Rate Loan -- A This loan allows you to benefit from all decreases in interest rates, but has a maximum rate built in so you never pay more than the capped rate. Qualification  criteria  are stricter and this option is not allows available from banks.
Reducing or Step Down Loan -- This option your interest rate is guaranteed to decrease by a set percentage in steps, such as 0.25% every six months for the agreed period. This period is usually less that five years.
So you are a first time buyer, please take into account.
The hidden costs involved in the purchase of a property, which include among others, transfer & bond cost. These cost will run up to thousands of rands. But don't despair as all banks have numerous home loan package available for first time buyers. These package are designed to suite most needs of the first time buyer. Example - a home loan of R595 000 will cost you approximately R40 000 for the transfer cost. There are also bond registration cost of R6000. When you make use of our free service Kredibond will pay for your bond registration cost. This is a free service with no hidden cost.
Benefits for first time buyers

Lend more than 100% of the value of the property. Best option when entering the property market. This enables buyers who don't have there registration cost to buy property. This makes it possible for you to qualify for a home loan of more than 108 % of the total value of the property which you intend to buy be it now or later.
Cons for first time buyers
When making use of this option please remember that you will only be able to use 25% of your gross income instead of the normal 30%. This can make a huge difference for the amount of home loan you normally would qualify for. The terms and conditions varies from bank to bank
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