Investing in a home is one of the most significant decisions you’ll make. Here’s how to qualify for a home loan, as well as three…
Category: Applying for a Bond
How to get a home loan if you’re blacklisted
A poor credit record is not a life sentence. Here are some tips for improving your credit score, thereby increasing your chances of securing a…
Putting my "banks' money" where my mouth is!
You might be thinking this is just another marketing pitch from someone who works there to try and get us to use their service. I…
How much of your salary should you spend on a bond?
We help you determine your bond affordability with our analysis of how much of your salary you can afford to set aside for monthly repayments.…
What is a good credit score if you want to buy a house?
To find out your chances of securing a home loan, check your credit score. A good credit score will significantly improve the likelihood of home…
How to get a 100% home loan – zero deposit!
With the help of O-YES Home Loans, South African homebuyers have a great chance of obtaining a home loan without a deposit. Here’s what you…
Which bank has the lowest interest rate on home loans in SA?
It’s worth the effort to shop around for the best deal, as some banks may offer you better interest rates, and a higher chance of…
How to apply for a home loan in SA in 7 easy steps
If you’re unsure how to apply for a home loan and what the process entails, our step-by-step guide will simplify the process so you can…
Bank Continuity Plans for the processing of home loan applications
Bank Continuity Plans for the processing of home loan applications during Covid-19 lockdown Normal bank service level agreements for the processing of applications submitted to…
Private bankers vs bond originators for home finance
Is applying for a home loan through your private banker the best option, when you have an alternative with bond originators? We examine the pros…
A bond originator’s guide to getting bond approval
Getting a home loan can be a challenging process. Here are some valuable tips for ensuring you get a bond so you can secure your…
Why you should use a home loan comparison service
A home loan comparison service can apply to multiple banks on your behalf in order to secure you the best deal; plus their services are…
The home loan application process in South Africa
Obtaining a home loan is one of the most important steps toward securing your new home. Here’s a rundown of the home application process. Article…
Home loan lending criteria: How do banks approve loans?
The home loan criteria of banks may vary from one bank to another, but certain requirements are standard across the board. Here’s our guide to…
The current and historical prime interest rate in South Africa
The prime interest rate is currently at its lowest level for five decades, making this a good time for homeowners and home buyers. Article summary…
Private bankers vs bond originators for home finance
Is applying for a home loan through your private banker the best option, when you have an alternative with bond originators? We examine the pros…
Will my partner’s poor credit score affect our joint home loan application?
Banks are required to comply by the National Credit Act in the granting of credit to applicants, so an impaired credit rating of any of…
Home loan interest rates: What you need to know in 2021
South Africa’s prime interest rate remains at a record low of 7%, thanks to a succession of cuts in 2020. This makes it a good…
How to clear your credit score if you want to buy a house
A good credit record is your most important asset when buying a house. Here’s how to clear your credit score and ensure you get the…
4 Reasons to get bond pre-approval before you buy a home
Obtaining bond prequalification will provide you with your credit score, along with a solid idea of what you can afford, before you start house-hunting. Article…