Finance. We can't get away from it. You blissfully survive without needing to worry about it through your childhood in most cases. Books, toys, food, shelter, school, hobby classes and private tuition all miraculously arranged and passing without you noticing that payments were negotiated and regularly deposited with a ka-ching from one account to another. In retrospect truly your golden years. Deficits, credits, debits, home loans, insurance, deposits, savings, student loans, mortgages...lie ahead but they're not your headache, not just yet. So the years pass and notes continue exchanging hands until one day, your father sits you down to have that talk - no, not the one about the birds and the bees - the one about financial independence and the need to save. And he'll fill you in on what all those terms mean and what they should mean to you. And he'll pat you on the back and cut you loose from the apron strings.
So you get a job, earn and save. Start your medical and general health insurance, get your car insured. Be smart and responsible, reassure mum and dad that your well equipped to deal with your money as you should. Read the Finance Times everyday to make sure your stocks and bonds are reaping interest and all your financial interests are healthy and feeling well loved and nurtured. Five, ten years down the line, you're about to get married, settle down. Maybe have a few kids. You want the perfect home with the white picket fence. Or hey, maybe you want the Colonial style home in the suburbs or a townhouse. You and your life partner to be call up that real estate broker and get ready to stare down the next couple of house hunting weeks ahead.
Here's the crunch. You may have been the good citizen and a responsible saver. But finding the perfect home within your budget is not an easy task. If you do find that home, you may need to fix it up or decorate. If it's not a fixer-upper, and it's the perfect cozy nest for a new couple or a growing family, chances and the law probability state that the real estate agents have noticed it too and its value will have shot right up. And for all that saving, you may not have enough. So what do you do? Sacrifice the home you can see your family in for the rest of your life or make attaining this one thing your goal?
Your options at this point are: A) you scramble around the phone directory for all agents linked to this particular gem and hope like hell one of them has a lower quote you CAN afford; B) you go to the bank and ask for a home loan and after being put on hold, explaining your particular situation to multiple clerks, painstakingly completing and submitting all the requisite paperwork, and waiting ten - twelve days longer than they had said you'd have to, only to be rejected. Because let's face it, the recession's on and the banks aren't exactly handing out home loans on a platter.
So turn to a mortgage broker who can get you the best rates from multiple lenders, knows the real deal on the rates they're quoting, can negotiate with the banks for the best GPF mortgage or SA Home Loans he or she can and keep the process transparent and simple for you.
GPF Mortgage specializes in Home Loans, Mortgages and Refinancing.For the first time in SA you'll experience hassle-free financing, and you'll discover how to avoid the most common mortgage mistakes people make on a daily basis that can cripple them financially for the next 20 to 30 years!
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