Mortgage origination is a relatively new concept in South Africa, but has been in practice internationally for some years, and fulfills an important function in facilitating property finance for home buyers through the various banks. In a competitive market where there’s an ever-increasing number of products available, we are able to assess your requirements, establish your buying power, and provide you with all the options.

Assistance is offered in assessing which bank and particular package may be best suited to the clients’ requirements as well as calculations of transfer costs, legal fees and monthly repayments.

This information enables us to submit an online application on behalf of the client directly to the home loan credit division of each bank. Once each bank has issued an approval in principal (which means the client is approved, normally subject to valuation of the property), the client then has the opportunity to choose which bank he or she wishes to accept. Once accepted, the chosen bank will then instruct their appointed valuer to inspect the property after which a final letter of grant is issued.

Prior to submission of an application, we are also able to offer an interest rates source, whereby we request an upfront interest rate offer from each bank.

Conventional mortgage originators are largely dependant on estate agents to provide a source of business, and usually pay a referral commission when a client is referred to them by an Estate Agent.

That's where we differ.

We deal directly with you, and have chosen to rather invest this commission in our client by covering the cost of the bond registration.

 CLICK HERE to see how much you save.