Prestige Home Loans

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Prestige Home Loans Your Residential Home Loan Specialists

Planning to buy a home early in 2027? 🏡 The next few months of your finances will play a part in your application.When y...
03/11/2026

Planning to buy a home early in 2027? 🏡 The next few months of your finances will play a part in your application.

When you apply for a home loan, the bank will ask for your recent payslips and bank statements, usually covering the last three months. For an application in January or February, that means your statements from November, December and January.

A few things banks look at on those statements:

✅ Debit orders going off on time, with no returned or bounced payments
✅ How your income compares to your regular monthly spending
✅ Any new credit agreements or store accounts opened recently

The festive season can put pressure on any budget, so it helps to plan ahead. Keep your debit orders covered, hold off on opening new accounts, and try to keep spending close to your usual pattern.

If you'd like to know where you stand before you start house hunting, we can help you get pre-approved. It gives you a clear idea of what you can afford and highlights anything worth sorting out before you apply.

📧 [email protected]
🌐 www.prestigehomeloans.co.za

Before you apply for a home loan… check these 6 things first 🏡A bond application is not just about filling in a formTher...
29/10/2026

Before you apply for a home loan… check these 6 things first 🏡

A bond application is not just about filling in a form
There are a few key areas banks look at before making a decision

If you are planning to buy, here are 6 things worth checking 👇

1️⃣ Your bank statements tell a story
Banks look at spending patterns and payment behaviour
Missed debit orders or irregular payments can raise concerns

2️⃣ Your debt to income balance matters
If a large portion of your income is already committed, it can affect affordability

3️⃣ Your credit profile plays a role
Your score is important, but how accounts are managed over time matters just as much

4️⃣ Your employment stability is considered
A longer track record in a role or consistent income can support your application

5️⃣ A deposit can strengthen your application
Even a small deposit can improve your position and potentially your interest rate

6️⃣ How your application is submitted makes a difference
The same financial profile can receive different outcomes depending on how it is structured and where it is submitted

Understanding these factors can help you go into the process more prepared

If you would like a clearer idea of where you stand before applying

📧 [email protected]

Bond approval is a big milestone 🏡 and there's one more stage before the home is yours: registration.Some banks continue...
23/10/2026

Bond approval is a big milestone 🏡 and there's one more stage before the home is yours: registration.

Some banks continue to check your credit profile until the bond registers at the Deeds Office. If new debt or a missed payment shows up during that time, the bank may review your application. That can lead to a lower loan amount, a higher interest rate or, in some cases, a decline.

A few things help keep your approval on track until registration day:

🚗 Hold off on new credit, such as a vehicle finance agreement, furniture on account or a new store card.

✅ Keep every account and debit order paid on time, including the smaller ones.

✍️ Avoid standing surety for someone else's loan.

💼 If you're considering a new job, speak to us first so we can look at the timing with you.

Once you've moved in and settled into your new repayment for a couple of months, you'll have a clearer view of what your budget can comfortably take on.

If your circumstances change before registration, let us know and we'll guide you through it 🔑

📧 [email protected]
🌐 www.prestigehomeloans.co.za

"Offer accepted" is one of the best messages you can get as a buyer. It also means a few more steps before you're holdin...
20/10/2026

"Offer accepted" is one of the best messages you can get as a buyer. It also means a few more steps before you're holding the keys.

This is what happens in between.

1. The bond application
Your offer to purchase will usually include a date by which your finance must be approved. As your bond originator, we submit your application to several banks at once, so you can compare what comes back.

2. The valuation
The bank sends a valuer to the property to confirm it's worth what you're paying for it.

3. Approval and the bank's quote
Once a bank approves your bond, you'll receive a formal quote with the terms. Read it carefully and ask questions before you accept.

4. The attorneys
The seller normally appoints the transferring attorney, and the bank appoints the bond attorney. They handle the paperwork and will call you in to sign.

5. Transfer costs
You'll need to pay the transfer and bond registration costs before the documents go to the Deeds Office. Ask for these figures early so nothing catches you off guard.

6. Lodgement and registration
The documents are lodged at the Deeds Office, checked and registered. Registration day is the day the property is legally yours.

One thing to watch: your occupation date is set in the offer to purchase and doesn't always line up with registration. Check it before you book the movers.

Every step has its own waiting period. Knowing the order makes the process far easier to follow.

Save this for later, or send it to someone who's house hunting right now.

Questions about your bond application?
[email protected]
www.prestigehomeloans.co.za

🇿🇦

🏡 CAN YOU APPLY FOR A HOME LOAN IF YOU'RE SELF-EMPLOYED?Yes! Being self-employed doesn't mean you can't qualify for a ho...
08/10/2026

🏡 CAN YOU APPLY FOR A HOME LOAN IF YOU'RE SELF-EMPLOYED?

Yes! Being self-employed doesn't mean you can't qualify for a home loan.

Banks assess self-employed applicants differently from salaried employees, particularly when verifying income and affordability.

You may need to provide additional documents, such as financial statements, tax information and business bank statements.

The important part is being able to demonstrate a consistent, sustainable income and that you can comfortably afford the repayments.

At Prestige Home Loans, we assist both salaried and self-employed South Africans with their home loan applications, helping them understand what the banks require and exploring suitable financing options.

📧 [email protected]
🌐 www.prestigehomeloans.co.za

THE HOUSE PRICE ISN’T YOUR BUDGET. 🏡You’ve found a property you love. The repayment calculator looks manageable. So you ...
05/10/2026

THE HOUSE PRICE ISN’T YOUR BUDGET. 🏡

You’ve found a property you love. The repayment calculator looks manageable. So you assume you can afford it.

But a calculator is only an estimate.

Your income, monthly expenses, existing debt and credit profile all form part of the affordability assessment when you apply for a home loan.

That’s why knowing where you stand before falling in love with a property can save a lot of disappointment later.

Prestige Home Loans can help you understand your position and guide you through the home loan process.

📧 [email protected]
🌐 www.prestigehomeloans.co.za

🏡 THE BANK APPROVED YOUR HOME LOAN. BUT DID YOU GET THE BEST INTEREST RATE?Getting a bond approved is exciting, but acce...
01/10/2026

🏡 THE BANK APPROVED YOUR HOME LOAN. BUT DID YOU GET THE BEST INTEREST RATE?

Getting a bond approved is exciting, but accepting the first offer without comparing your options could mean paying more than necessary over the life of your loan.

Even a small difference in your interest rate can make a significant difference to your monthly repayment and the total amount you pay back.

At Prestige Home Loans, we approach multiple banks on your behalf, compare their offers and negotiate for competitive interest rates and bond terms.

One application. Multiple banks. More options to consider.

📩 [email protected]
🌐 www.prestigehomeloans.co.za

Happy Heritage Day, South Africa! 🇿🇦Today we celebrate the people, cultures and traditions that make our country so spec...
24/09/2026

Happy Heritage Day, South Africa! 🇿🇦

Today we celebrate the people, cultures and traditions that make our country so special.

From all of us at Prestige Home Loans, we wish you a wonderful Heritage Day. 💛

📍 Based on the East Rand. Helping you buy a home anywhere in South Africa. 🏡Found your dream home in another province? Y...
17/09/2026

📍 Based on the East Rand. Helping you buy a home anywhere in South Africa. 🏡

Found your dream home in another province? You don't need a bond originator down the road.

Prestige Home Loans assists buyers nationwide, submitting applications to multiple banks and comparing their offers to help you secure competitive interest rates and suitable bond terms.

One application process. Multiple bank offers. More options to consider before you sign.

📩 [email protected]

🌐 www.prestigehomeloans.co.za

Address

Block B, Floor 1, Clearwater Corporate Office Park North, Corner Atlas Road And Merlin Drive
Boksburg
1459

Opening Hours

Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00

Telephone

+27107453804

Website

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