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Banks have become more and more strict with their credit policies owing to the implications of the National Credit Act, diminishing houshold disposable income, which has resulted from high inflation, escalated interest rates, rising fuel costs and more.

You need the right team working on your home loan. It takes skilled individuals with expert knowledge of bank criteria and affordability requirements to guide you through what has become a minefield for anyone trying to tackle a bond application alone. 

Estate agents usually refer their clients to a bond originator from whom they get paid a very high commission to do so and you can therefore not count on their unbiased recommendation to a company that is necessarily skilled enough, or has your interests at heart, to arrange your bond. 

Using your OWN bond originator keeps the power in your own hands and minimises the risk of being forced into a loan that is not suitable (eg. 30 year loan terms when you wanted 20, unreasonable interest rates, non-mainline lenders etc.) It also allows you to use an independent bond attorney (one not at the will and mercy of the estate agent) to attend to your registration once again protecting your interests.

"It's no longer about fancy sales gimmicks, or how quickly you get your answer, it's about an important financial process where your bond company needs to be your partner"

Contact us for peace of mind and expert, personal service. We make HomeLoans Easy.