EMERALD HOME LOANS
Loan in Kleinmond

Our statistics show that a consumer applying for a home loan via an originator has a more than 30% better chance of getting a home loan than if they applied only to their own bank. It follows that an industry that provides a customer value proposition to all its stakeholders has a reason for being. Origination offers that customer value proposition across the role players and is therefore sustainable. The mortgage origination industry has undergone radical structural shifts over the last few years, and the model has been tested. The customer value proposition of origination has been a constant throughout and has sustained mortgage origination as an industry. As a bond originating company we offer further assistance to the estate agents by providing an additional marketing avenue for their properties currently up for sale making the website a convenient one stop facility for buers were they could find their dream home and have their finance arranged in one easy step. Buying a home is often the single biggest investment most people make. As a result it is essential for home buyers to ensure they are fully prepared before getting on to the property ladder. Shopping around for the best home loan and interest rate can be very time consuming, and since your home loan is probably the biggest financial commitment you'll ever have its important to ensure that you're getting the best bond deal. Affordability should be used as the main factor in deciding the loan amount to apply for. Banks will generally be comfortable should you be able to prove that you have sufficient disposable income after tax and all your monthly expenses to meet the monthly home loan repayment. Your bond originator will be able to help you in calculating and determining what amount you should consider. Ensure that all your paperwork is ready for submission. For most lenders a consistent income stream is a key criterion when working out how much one can borrow. Lenders will also want to look at your credit history, so that they can see a historic pattern of borrowing and repayment as well as how you have managed you bank accounts and other credit facilities. Bond originators specialise in shopping around with multiple banks to give you the best chance of getting your deal approved on the most beneficial terms.