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- Highest Success Rate in Getting Home Loans Approved
- Big Reductions on Your Monthly Repayments
- Save Thousands of Rands on your Home Loan
Service at South African Banks is Poor...They Treat you Like an Account or Number...And, if You're Really Lucky, it Usually Takes Weeks for Them to Tell you if Your Home Loan Has Been Approved!
No matter if you are buying your first home or looking for lower interest rates on your current property , don't approach your bank or a mortgage broker until you've read the following. Discover how to avoid the biggest mistakes people make when applying for a home loan which can cripple you financially over the next 20 or 30 years!
How to Quickly and Easily Get Your SA Home Loan application Approved Without Going Though All The Hassle - 100% GUARANTEED!
Let me cut to the chase here and ask you a few simple questions? Would you like to get your home loan approved quickly and easily…without struggling and going through the hassles of getting an approval...without being duped into paying junk loan fees?
Are you tired of working with incompetent call centre staff…frustrated being transferred from one person to another and speaking to so many faceless people who are only trained to deal with one or just certain aspects of the process?
Besides, you are busy. Pre-occupied with work. Fed up with all the distractions you have to deal with daily...Tired...You don’t have time to waste at your bank!I’m sure you’ll agree that service at the banks are not what it used to be…you can never get a straight answer from them...the paperwork is never-ending and they always need extra documents from you.
Then to top it all...after all the hassles of getting a home loan approval, they’ll probably decline your application without giving you solid reasons for doing so.
Trust me, I've been there...I know how it feels when you don’t get the answers when you want it and not getting the help you want when you need it most. Banks are notorious for giving you an umbrella in summer and taking it away in winter.
If you're nodding your head right now, then I have great news for you…help is on the way.Unlike most banks, who are afraid to commit to helping their clients no matter what.
I’m convinced that if you read the rest of this letter and take advantage of this opportunity that is presented to you it will lift a boat load of stress from your shoulders.
Sadly, most people do not realize how beneficial it can be to get a home loan expert on their side that’s prepared to roll up her sleeves to get your home loan approved at the lowest possible interest rate.
So, why add more stress and worry to your life fighting with incompetent call centre consultants at the bank? Let someone else do the fighting on your behalf so that you can free up more time to spend with your family and friends.
It is a very rewarding experience to help my clients to get the finance they need. In fact, I love working with people and consider myself very fortunate to do something I have a great passion for which is helping people.
To me, it’s rewarding and fun! And because of that natural inborn passion, I am an absolute piranha in getting my clients loans approved. Like anything in life if you study something long enough, you’ll become an expert. No matter what you’re studying.
In my case I’ve learned a thing or two about how the mortgage industry works and how to structure deals to my clients benefit and not the banks. I’ve started in the real estate business, but since 2001, I launched my bond origination and consulting business.
So I have been on both sides of the table and I know this industry inside out
This is How South Africans Shop For Home Loans
Avoid These Mistakes and Save Thousands!
Unfortunately most people don’t know how to shop for home loans. At best they will phone a few banks to find out what their interest rates are.What they don’t realize that getting a quote over the phone means nothing.
Besides, the loan consultant can give you a low quote and sell you a higher price home loan at the closing table.Extreme corporate greed has made applying for a home loan a tricky affair. If you don’t watch where you step, they’ll rob you blind.
Over the years they’ve been practicing what to say, and how to say it smoothly, and how to move on to the next topic before giving you a chance to protest. That might sound juvenile but, in practice this is what happens.
Many bond originators will quote low, get the application and the offer to purchase as fast as they can, and then just say, “Sorry, but rates went up in the meantime.
You’ll have to lock in at this higher rate.” It was their plan all along but there’s no way you can prove it.Managers and owners of some bond origination companies use this very approach for handling “rate quote” callers.
Your only defense against being overcharged is knowledge.
Why a Home Loan Pledge (Home Loan Pre-Approval) Is a Worthless Piece of Paper
A lot of people are also confused about the usability of a home loan pledge. A pre-approval pledge does not constitute a fixed offer from any bank and they may change the amount stipulated on the pre-approval.
Simply put, when issuing such a pledge the banks are not committing themselves to this transaction, but they simply say that you could qualify for a certain amount but they do not commit themselves in any way to that loan.
The purpose of a pledge is to get you to call in; it’s not to guarantee your home loan approval. You have to expect home loans sa pre approval pledge that is printed by a bank or bond originator to be similar to a quote over the phone.
So, if you don’t want to get disappointed when looking for your next home, ignore home loan pledges altogether, because it's pretty much useless. Instead opt for a full application right from the start so that you can have a guarantee that you’ll be getting the house of your dreams.
Discover How You Can Get an SA Home Loan Approval with the Lowest Rate and Pay ZERO Junk Fees..
As I mentioned just now I’ve been a mortgage broker for over 10 years...I'm not owned by a bank or estate agent, so I do not have to sell you only what my favourite bank has to offer.
I do know what a good loan is and I can show you how to get the best sa home loan available without all the worry and stress.If you don’t mind being taken advantage of, skip this section.
On the other hand, if you are determined to protect yourself financially then read on.Nowadays, home loans come packed full of fees. Banks, after all, are in the business of making money and not to help you save money on your home loan.
So, it should be clear to see that you can lose a lot of money if you rely on your bank for advice. If you don’t know what you’re doing you could end up spending the biggest part of your life paying back interest to your bank.
Of course, your banker or present mortgage holder is not hurrying to tell you about any of this – odds are you are over paying, and he knows it.
These days banks have to do a lot of things: handle cheque, savings and business accounts, now they’re selling insurance and investments and so on. They’re like a “supermarket.” But I'm a “specialist”. I do one thing and one thing only: home loans.
Once you realize that the managing of your mortgage to build financial security has more to do with the quality of your life than any other one thing (besides your health), doesn’t it make sense to get a top specialist on your side? It’s easy to get a better deal if you know what pitfalls to avoid.
Examples of Home Loan Repayments
(Calculations Based on Prime -1.5%)
I would like to say thank you to GPF in helping us secure a bond... as first time buyers and being self employed, we were told by other originators that we wouldn't get a bond... and Charleen Peters (GPF) went out of her way to ensure that we did and we even got 100%. I am really thankful that I used your services..."
Prethee Rajkumar, Randburg, Gauteng
I have never encountered a company who puts their clients first before their own pockets as GPF Mortgage. I was a first time home buyer who have been fighting for years to purchase property. All it took was one email to them and within a week my bond has been approved..."
Johnathan du Preez, Durbanville, Cape Town
Now I Want to Give You The Opportunity to Put
Thousands Back in Your Pocket
Let me put it this way...
With today's high interest rate you will spend more than R1.4 million (@10.5% over 20 years) in interest on an average home of about R1 million. You'll spend up to R65,000 in legal costs and fees. In most cases you will be swayed to take out additional insurance at the bank which will set you back another R300+ pm.
What value can you put on a service which can help you to literally save tens of thousands of rands...You tell me...
Just imagine how you will feel if you are not only are getting the good news that your home loan is approved, but also know that you are not going to pay one cent too much...Imagine how you’ll feel the day you pay off your home loan. Once its paid off, you will truly own your home. You will always have a roof over your head...
Picture how your life will change when you have no more home loan installments to make, and how much more disposable income you'll be able to enjoy. Picture the sense of freedom you will have knowing that you've financed your future and not your banks'!
But that's not all...