We Do Bonds

The value and benefits of homeownership:

Because owning a home of your own can be truly life changing.

-It can help you to secure your financial future by letting you build wealth over time.
-It enables you to leave a legacy for your loved ones.
-It gives you the freedom to create the living space and lifestyle you want.
-Best of all, you are no longer paying off someone else's mortgage – you're paying money into your own pocket!

Give me a call or drop me a whatsapp on 082 8022 522 and I will by glad to assist you in turning your home ownership dreams into a reality...Dont Wait enquire now!

Here are two frequently asked questions from our clients:

* Can I get a home loan without a deposit?
The answer is YES. Many people do not consider buying a property because they think they need to pay a deposit. All the major banks that we work with offer 100% loans (no deposit), subject to specific qualifying criteria.

* Can I pay a deposit when purchasing a home?
Yes, paying a deposit means you will reduce your monthly bond repayments and decrease the interest paid to the bank over the term of the loan.

Contact us today to find out more!

Owning a property has many advantages over renting one.

Renting means you’re potentially paying off someone else’s home loan, whereas buying is an investment. Your property will appreciate, especially over the long term.

Simply put, buying is better than renting, and you should take that into account when looking for your first property.

Steps to qualifying for a home loan include:

* Ensuring you have a good credit score
* Getting prequalified

Contact us today to assist you

To stand a chance of receiving the best deal you need to ensure you are applying to all banks, not just the bank you use.

Let us do the work for you by applying to all major banks on your behalf and getting you a selection of quotes to choose from.

Save time and increase the likelihood of obtaining a home loan by using us to apply to various banks on your behalf.

Have any queries or concerns? Reach out to us today!

Owning a property is the first step to building financial wealth. You are never too young to invest in property.

Contact our home loan specialist for any questions you may have.

Are you a first-time home buyer looking to secure a property? First time home-buyers usually ask the following questions:
How much can I qualify for?
How can I get a good deal?

Criteria that determines how much you will qualify for:

* Your monthly income
* Your loan term
* The prime Interest rate
* The current lending criteria of the bank

Contact us today and let us assist in getting you the best deal.

Your new home awaits you…

Purchasing a home is one of the biggest investments you can make, which is why we are here to provide you with expert knowledge and advice.

Let us assist you on your journey.

Did you know that by using a bond originator such as We Do Bonds, your chances of getting your home loan approved is higher than applying directly to your bank?

Let us assist by guiding you through the bond application process.

Contact us today for more information.

Purchasing a property can be complicated, but it doesn't have to be.

Let us assist in getting you pre-approved and providing you with all the tools and knowledge required to finance your dream home.

Contact us for more information.

Here's how the interest rate increase will affect your home loan repayments.

Looking to purchase a home? Let us assist in getting you pre-qualified.

Although interest rates have increased, buying is still your best bet!

Contact us today to find out more.

Once you have found a property you would like to purchase, the first step is to sign the Offer to Purchase.

An OTP is a legally binding agreement between you(home buyer) and the home seller that stipulates the conditions attached to the purchase of the house.

Ensure you read the offer carefully.
As with any contract, you need to be sure you understand the document in its entirety before signing anything, otherwise you could be very disappointed. If you don’t understand something, query it with the estate agent, and get a third party with your interests at heart to look over the document as well.

Basic elements to check in the offer to purchase include:

* The buyer and seller’s details – make sure this is correct
* The property description needs to be accurate
* The purchase price is as agreed
* The date of occupation and any agreed upon occupational rental amount are correct
* Any special conditions are included
* A thorough list of defects have been listed
* Any and all fixtures are clearly laid out

Contact us for more information.

Still torn between purchasing a property and renting a property?

If you earn a regular monthly salary and you have a stable job, chances are you can afford to purchase a home.

Contact our experienced home loan specialist and we will help you understand your financial standing and calculate what size of home loan you qualify for.

Let us assist you for FREE!

Give us a call to run through all the steps required to get you your dream home. We will assist in getting you pre-qualified and apply for a bond to all major banks on your behalf to get you the best deal.

First time homebuyer and not sure where to start? Using a bond originator can save you time and money.

1. Our services are completely free.
2. We save you time and admin by applying to various banks on your behalf.

Contact us for more information.

The Finance Linked Individual Subsidy Programme FLISP is a housing subsidy for first-time home buyers to assist with the purchase of a home.
FLISP was developed to enable sustainable and affordable first-time home-ownership opportunities to South African citizens and legal permanent residents earning between R3 501 and R22 000 per month.

What can you do with FLISP?
Applicants who qualify for FLISP can do any of the following:
* Buy an existing, new or old, residential property
* Buy a vacant serviced residential stand, linked to an NHBRC(National home builders registration council) registered home builder contract.
* Build a residential property on a self-owned serviced residential stand, or tribal stand (PTO) through an NHBRC registered homebuilder.

Contact us today to find out more.

Have you checked your credit score?

When purchasing a home, you need to ensure you have a good credit score.

A credit score/profile is a summary of all your credit history with every provider you are dealing with. It works as a record documenting how you manage your credit accounts, whether you pay on time, what accounts you have active and gives you a score based on this.

A high credit score means you have good credit volume and works in your favour when purchasing a home. Financial institutions and banks refer to your credit profile and credit score to determine whether you can afford to take on a new loan.

Your credit profile also shows these institutions that you are capable of paying back money that is owed.

Here are a few ways you can improve your credit score:

* Always pay your bills on time
* Resist impulse buying
* Stick to a budget
* Don’t apply for new credit when buying a home

Banks look at your credit score when deciding your bond application.

If you have any queries and are currently looking to purchase a home, contact us today!

4 Tips to keep in mind when applying for a home loan:

1. Make sure you’re in a good financial position.
Reduce unnecessary monthly expenses and cancel accounts that are not used such as clothing accounts, personal loans, overdrafts, and credit cards. it’s important to show that you are not spending way more than you earn.

2. Pay your monthly accounts on time.
Do not to skip any payments, if you pay any accounts late it will negatively affect your credit score.

3. Know the upfront additional costs.
There are additional costs associated with buying a property.

You may also have to pay all or at least some of these costs:
* Transfer Duty
* Bond registration fees
* Transfer fees

4. Use a bond originator.
We act as a middleman between you and financial institutes. A bond originator makes life easier by assisting with paperwork and submitting the application on your behalf to get you an excellent rate.

Interested in purchasing a home? Contact us today.

In order to purchase a home, you need to get pre-approved for a home loan. Once you become pre-approved, you will have an idea of how much you can afford to purchase. You can then start making offers on properties/a property you are interested in.

Contact us today so we can assist you.

Why rent when you can buy your own property?

Owning a home offers the long term benefits of security, equity and potential growth in personal wealth. It is a great investment, the value of a home will appreciate over time and if you decide to sell, you can earn a profit off the sale!

Contact us today so we can assist you in purchasing your dream home!

A pre-approval provides you with your credit score and an indication of how much you can afford when looking at different properties. This allows you to shop for a home with confidence, knowing what your optimal price bracket is.

Contact us today so we can assist you with the pre-approval process.

Interested in purchasing a home or know of
anyone who is?

Feel free to comment or share this to anyone you know who is in need of expert advice and guidance as they embark on the exciting prospect of purchasing a home.

Contact us today!

Purchasing a home, especially for the first time can be intimidating. At We Do Bonds we are here to provide you with all the tools and knowledge required to proceed with your pre-approval application. We will keep you informed and ensure that you confidently understand the approval process.

Here's why you should use us:

* Our service is free! Yes! We do not charge our clients a cent for our services rendered.
* Better rates: We have the knowledge and expertise to negotiate better loan rates and fees.
* Dealing with banks: We have well established relationships across all banks therefore we can provide quick turnaround times and ensure we get the best possible rates for our clients.
* Less paperwork: If you do not use a bond originator, you would need to submit an application to each bank. We will assist you in completing the necessary application forms and the gathering of information required by various banks.

Contact us today!

Are you interested in purchasing a property but not sure if you qualify or where to start?

Contact us so we can educate you on the steps you need to take in order to purchase your dream home.

Purchasing a property can be a long and tedious process if you do it alone, but you don't have to! Contact us today and we will guide you through the bond application process and assist in getting you the best deal.

We Do Bonds is now on WhatsApp.

The role of a bond originator is to act as a negotiator between you and various banks in order to procure a bond on your behalf. Bond originators
acquire and submit all relevant documents required by the various major banks. This allows you to seek approvals from various financial institutes without having to spend time negotiating with each one of them.

Buying a property? Contact us today!

We Do Bonds updated their business hours.

Have you heard of FLISP??
Financial-Linked Individual Subsidy Programme!

Did you know, if you are a first time home buyer, with a household income between R3501-R22000, the government will pay a subsidy to reduce or supplement your approved home loan.

At We Do Bonds, not only do we want to assist in getting financing to buy your home but also want to educate you on resources that will assist in achieving your dreams free of charge!!

Contact us today and let us help make your dreams come true!

0828022522