Home Loan

The service provider Important information Found your Dream Home? We'll sort the Loan. We assist home buyers in obtaining home loans through our relationships with the 4 major banks (Standard, ABSA, FNB & Nedbank). We approach the Banks on your behalf and source the best deal for you, quickly and smoothly, all as a FREE service.

The service provider - Mortgage Direct

It pays to have a tough negotiator at your side. Applying for a Home Loan is a tedious and emotional experience. At Mortgage Max we do all the work for you. And we're good at what we do.   We'll help you with the entire application process and we'll negotiate and secure the best possible deal for you from the major lenders. Our job is to find you your home loan, quickly and efficiently, all as a FREE service.   Of course, you're under no obligation to accept any particular Loan, but you'll have the peace of mind that when you do, you'll be choosing the option that's best for you.

Important information

Mortgage Max has contracts with all 4 banks – Nedbank, ABSA, Standard and FNB.    We will ensure that homebuyers have a better opportunity to obtain a bond through multi submissions at all lenders where possible. We submit to all lenders and will help the buyer package and present a bond directly to a lender where our contract does not fully accommodate the profile. We remain the single point of contact for the agent and the buyer providing full control and constant information on progress and outcomes. About 1 in 4 applications are declined by one bank but approved by another. That means that 25% of applications will remain declined if not presented to multiple lenders which is the risk you have when you client goes to his own bank direct. Many applications need to be re-motivated and arbitrated several times before approved – direct applications may not be appealed at such length. Applicants that go to their own bank may receive a decline with no attempt to re-motivate – there is no known financial impact in the income of a banker, if a deal does not go through. Direct applications are often handled by individuals with less expertise in securing bond finance – bankers do not specialise in bond finance as they sell and market a multitude of financial products. Mortgage Max has a 3 tiered escalation process – consultant then regional management and where the case holds merit it will be handled by our national origination head direct to the top levels of the bank We understand the different lending strategies and key criteria of all banks and we know how to navigate around them. Mortgage Max is able to structure the application best upfront for optimal results – we understand what is required to get the best outcome from the outset. Mortgage Max expertise and knowledge is therefore wider than that of a direct bank employee. A single point of contact provides the agent with ongoing control over the deal and the client with the convenience of not having to go through the process more than once. In the case of a direct application the agent is less likely to be kept in the loop as the bank or banker is not allowed / obliged to provide any information to a 3rd party. A homebuyer could decline the offer of finance due to rate etc but the agent may not even be made aware that an offer was made and therefore a conclusive deal was in hand. Statistics show that approval is more likely in cases where the client is willing to provide a deposit upfront. Statistics supplied by one of the major originating copanies indicate that 45% of all applications are for 100% loans – more people have an expectation that the bank will fund the full purchase price. Many of these applicants may have a deposit but believe that the bank will approve 100% finance – this will impact on the first score result as well as the rate offered. If unsuccessful the sale agreement signed at 100% is not binding which leaves the agent vulnerable to lose the sale. Statistics supplied by one of the major originating copanies show 37% of their 100% applicants received a bond grant but 58% of this portion was given an approval at 100%. That means that just under half did have the means to put down a deposit and it also means that only 22% received a 100% approval. 46% of applications for bonds with a 10% to 20% deposit were approved with 92% of this portion at the required amount which means that 42 out of a 100 applications were successfully converted. These stats show that chances of approval are almost twice as good on bonds where a deposit is offered upfront. Mortgage Max can further add value by providing the buyer with pre-qualification and assisting homebuyers with affordability calculations to ensure that the buyer’s expectations are in line with what is achievable for them. This is a guide not a guarantee. Use our calculators to calculate if you qualify to apply for a home loan and apply online for all the advatages mentioned above.
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