After spending months looking at the market, you’ve finally found a house that’s perfect for you! And as the excitement builds while you daydream of living your best life in your new home, unfortunately, the only thing stopping you from immediately making your purchase is your finances. This is where ZA Fin steps in. They will submit that home loan application for you, negotiate with the banks on your behalf, compare the rates between the different banks, and get back to you with the best financing option. Because at ZA Fin, they are all about putting YOU at the centre of everything they do to help you get the right home loan.
Who Is ZA Fin?
Say goodbye to paperwork and endless headaches and say hello to easy home loan applications with ZA Fin! By working as the middleman for you and the banks, ZA Fin (proud sister company of ZA Prop) helps you gather and organise all the necessary documents for your application and sends off your application to all the major banks on your behalf.
How Do They Help You?
After finding your dream home and approaching ZA Fin, their consultants can help you get a home loan through these 6 steps:
You will fill out their 5-page application form and send it through to them along with
your proof of income, copy of ID, marital status (and proof thereof), employment
status, and proof of income.
● ZA Fin will submit your application and documents to different banks.
● The banks will review your application and perform a credit check and property evaluation. Depending on the outcomes of their reviews, you may get prequalified.
● ZA Fin will negotiate with the banks and get back to you with the best financing option.
● After you have looked at and considered your different offerings, you will choose which bank you want to work for.
● Once ZA Fin gets an official offer to purchase from you, your application will be submitted to the banks, accompanied by your signed offer to purchase.
Remember, prequalifying for a home loan does not guarantee the actual approval of a home
loan, but history has shown that over 80% of prequalified applications are successful.
How Can You Benefit From ZA Fin?
Powered by OOBA
First off, ZA Fin is powered by OOBA – a registered, trustworthy bond origination company.
This means that they are strongly associated with a company that holds a reputation for offering an excellent home loan service.
Loan Experts
Because ZA Fin works with expert bond originators, they know all the ins and outs in the home loan business, so rest assured they will fight for the best financing option for you.
They Do The Work For You
There is no need for you to go to the banks individually to apply for home loans. ZA Fin will do all the work for you while negotiating a lower rate because they have strong relationships with all the major banks (Absa, FNB, Standard Bank, Investec, Nedbank, RMB, Sentinel Homes, Ithala (available in KZN only), HIP, as well as Islamic Home Loans.
Quick Turnaround Time
ZA Fin has a quick turnaround time on applications. All you need to do is submit ONE application along with your required documents, which they submit to all the banks. This process may take between 1 to 5 days if all documents are submitted to them on time.
Zero Obligations
Ultimately, ZA Fin offers you a FREE service with ZERO obligations. That’s right if you get prequalified but choose to rather walk away from your offerings, that’s completely fine!
Who can use ZA Fin?
Anyone who is looking to purchase property can use ZA Fin. Even if you carry a bad credit score, ZA Fin can help you understand your credit score and advise you on how to improve it. They can also assist you in finding a lender that is willing to work with you. However, in this case getting approved for a bond may be harder, and interest rates may be higher.
Essentially, by assessing your financial situation and creditworthiness, finding the best home loan deals from different lenders, helping you complete your application and compiling the required documentation for a bond, and negotiating the terms and interest rates of the offered bond, ZA Fin can help you find the best deal that suits your financial situation while saving you time and money. So, while you sit back and relax, you get to dedicate all your attention to picking out paint colours, furniture, and décor for your new home.
