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Printed on 10 Mar 2010 | 15:18:34 |
You are here: Just Finance / Residential Property Finance
Residential Property Finance
We take service seriously, and that is why your Just Finance home loan consultant will travel the journey with you from the beginning, right to the end. Our experienced, bank-trained consultants will guide you through the maze of home loan variations available to you, taking care to explain in plain language so that you can make an informed decision about your choice of home loan product and provider.
We can assist you with calculating your affordability before you sign any offer to purchase, allowing you to be in control of your price range, in fact, we recommend you do just that!
Your needs are different to your neighbour’s. You may want access to your funds, you may not! You may want to pay it off early, you may need to renovate.
Whatever your circumstances, we want to make sure you have the home loan that best suits YOU, the individual!
Property Finance Application
Just Finance understands how daunting it can be to apply for your home loan; after all, it is a big investment you are making! Just Finance will assist you in completing your application form, gather all the required documentation from you, and motivate your application, which will be submitted electronically to the bank/s of your choice through our state-of-the-art systems.
Just Finance will track your application throughout the entire process, keeping you updated along the way. Once your home loan has been granted, and you have accepted the terms we have negotiated on your behalf, we then liaise with the attorneys right up until your home loan is registered at the Deeds Office.
Bond Registration Process
There are a number of things that happen at the attorney’s office, so here is a brief overview.
Your documentation needs to comply with FICA (The Financial Intelligence Centre Act), meaning that your identity and residential address details need to be verified.
Your file is prepared upon instruction from the Bank.
There are two sets of attorneys involved in most transactions. The seller appoints the transferring attorney and the buyer appoints the Bond Registration attorney, these functions can however be performed by the same attorney.
Once all the documentation is ready for the transfer of property, cancellation of the seller’s bond and registration of your bond, the documents can be submitted to the deeds office, where the title deed is updated and the changes recorded. You have then become the official owner of the property.
Call 031 765 6609 or fill in your details below and a consultant will contact you as soon as possible.
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