home loans

To apply for a new bond, simply complete our quick home loan application form below and a consultant will contact you at your convenience to complete the process.

I would like to know how to Apply For a New Home Loan. Please contact me.

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You’ve handed in your Offer to Purchase and your prospects to owning your very own piece of land are looking good. Now it’s time to apply for a home loan. The good news is that, if you already used the ooba Bond Indicator, your home loan application will be a much quicker, easier process.  

Applying for home loans in South Africa is now more challenging than it was just over a year ago. The average bank decline rates have increased from 43.2% in 2015 to 47.9% in 2016. But you’re in good hands: ooba’s home loan approval rate is 33% better than the average bank approval rate.  

Applying for a home loan: three simple steps

Here’s what you need to do to get the new home loan you require:

  • Make sure you’ve considered the total costs of purchasing a property. This includes transfer costs, bond registration costs, a deposit, transfer duties and getting a rates clearance certificate.

 

  • Double check that you understand your Offer to Purchase. Get to grips with the legal terms in the contract and make sure you know what’s included and excluded. An ooba consultant can assist you.

 

  • Give ooba a call or complete the form below and we’ll help you to get all your paperwork in order. Once we have all the documents ready, we’ll submit your home loan application to up to nine banks, including your own.

 

Now all you have to do is breathe deeply and trust the process. Yes, applying for a home loan, and providing shelter for you and your family is within your reach. And with ooba, you can expect a quick turnaround time.

Hello ooba news

ooba is successful in securing home loan financing for one in every three applications that are initially turned down by a bank.

My home loan was denied

From independent advice to better interest rates (and better results), using a bond originator as your personal home-loan consultant comes with some major perks.

What is a bond originator

It's unlikely that some would buy a property without first seeing it, but thanks to the wonders of the digital world, the plethora of tools and information available at your fingertips make the house hunting and buying process a lot easier.

How to buy a house

If you’ve been diligent about paying off your retail accounts and study loan, you have a better chance of having your home loan approved.

A prequalification certificate will take some of the uncertainty out of the house hunting process.