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Fax: 086-516-0847
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SA Home Loans |
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Features
Fix Your Rate
Another innovation from the people who brought you the discount home loan. Fix the rate on up to 100% of your loan for 20 years!
What's it about?
In an era of rising interest rate SA Home Loans have launched an innovative new home loan product - a 20-year fixed rate home loan that cannot go up but can still come down. Here’s your chance to lock in your home loan at our fixed interest rate and not have to worry about an increase in your instalment for as long as you have a bond. If rates move down in the future you don’t lose out because your fixed discount home loan rate will automatically reset down at no cost to you.
Who is it for?
If you wish to switch an existing home loan to the 20-year fixed option – it is quick and cheap to do. Call SA Home Loans and we’ll show you how to re-finance your home loan and also take advantage of the increased value in your property. When you switch you can take out some of this increased value as cash and settle other costly debts or even refurbish your home. Then fix and make sure you never see an instalment increase again. If you’re buying an investment property to rent out – this fixed option is ideal. Your rental income can escalate each year but your monthly instalments are fixed allowing you to repay your bond much faster. The fixed option allows you to budget for your bond instalment without any surprises.
Select a portion of your home loan to fix
You choose the exact mix between the fixed and variable percentages selected to suit your needs. Why would you choose this option? A 50% fix will cost you less than a 100% fix – and while it means your monthly instalments can go up in the future (whereas the 100% fix cannot) it will be gentler than an increase on a fully variable home loan. Ask a SA Home Loans Consultant about the impact on your instalments as your percentage fix changes.
Switch & Save
Don't move house - just move your bond! It's quick, cheap and you can bring down your monthly premiums right away.
Buying a Home
Save money - get the best deal on your mortgage loan. Cut out the middleman and deal with the professionals. Contact us directly to arrange financing when buying your new home.
Refinance
Take out cash on a property currently bond free and re-finance other debts such as credit cards at a much lower interest rate. Or use the cash for home improvements!
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