Home Loan - No hassles!

Posted by Steven Green on Wed, 24 June, 2009 15:02 PM

Readers... In the last few months trends reveal declining house prices - this trend is forecast to continue  for some time to come. The decline in the property recession seems to have hit the Large Home category more then the rest - an indication of the strain experienced in the market for larger and more expensive properties, with buyers focusing on smaller and more affordable homes.  In April this year, the average price of a large home declined by a massive 4% to around R1 340 700 - the biggest decline since September 1985.

All of this of course means that, should you be considering buying property - now could be just the right time to realise that dream.  If you do your homework well you should  enjoy a premium price of property at a really good price.  When you do....be sure to let  Wizard Midrand take care of your Home Loan needs.  You can rely on us for support and assistance that can be invaluable as a Homeowner - together with many value-added benefits that really make you feel at home;

Insurance
Property
Money Transfers
Fractional Ownership
Debt Consolidation
Personal Loans
Bridging Finance

to name just a few!

Whatever the economy looks like, investing in your property is ALWAYS a good move - increasing its value is a way to ensure you get your money back.  It also means that you can live in the Home you really want.  Therefore, if renovations are on the cards, if you'd like to extend your home, build on a new room or revamp your kitchen, your Home Loan is the key......

Contact our dedicated professionals, willing to go the extra mile to make sure that your experience is as convenient and efficient as possible.
And on top of it all - this service is completely FREE of charge.

Contact Steven, Lynne, Bruna or Storm today on 012 341 2223.


Money Transfer Services

Posted by Steven Green on Wed, 18 May, 2009 13:02 PM

Have you thought about buying property abroad?

Are you wanting to move money from South Africa to another country but you're worried about transfer costs?

Are you wanting to move money to South Africa?

Wizard's new money transfer service allows you to use the best global wire transfer services available. Read here to find out more

Interest Rates Drop Again! Current rate 12%.

Posted by Steven Green on Wed, 24 Mar, 2009 16:02 PM

Tito MboweniGood news folks, Tito Mboweni has dropped the repo rate by 100 basis points. This means that home loan rates are down to a cool 13%.

Lets hope that the banks keep our rates nice and low too for all new bond applications.

Current home loan interest rate = 13%




100% Home Loans - 100% Bonds!

Posted by Steven Green on Wed, 09 Mar, 2009 16:30 PM

Once again we've got more than most can offer!
Wizard Midrand have signed a new 100% home loans deals for bond up to R450 000.
Yip, you heard us right, 100% bonds up to R450 000.

Once again with this being a very new product, there are limitations and restrictions. Read up about Wizard's 100% home loan offering, click here...

Click here to apply for 100% loan.

That means, 100% home loans from not 1 but 2 financial institutions! What are you waiting for?

100% Home Loans - Happy 2009!

Posted by Steven Green on Wed, 13 Jan, 2009 15:00 PM

We promised changes in 2009 and we're not going back on our word. Wizard Midrand in association with the a goverment backed independant home loans and finance house is now able to offer buyers the opportunity to get 100% loans.

With this being a very new product, there are limitations and restrictions. Read up about Wizard's 100% home loan offering, click here...

Click here to apply for 100% loan.

Up to R20 000 Cash Back Bonus - Save money with Wizard today!

Posted by Steven Green on Wed, 17 Sep, 2008 08:00 AM

specialsDo some early Christmas shopping with Wizard Midrand home loans.

We are offering YOU up to R20 000 cash back incentive if you do your home loan through us today.

Click here and check out our specials page, for more information.

*terms and conditions apply *

 

Ooba Insurance - HomeOwners & Life Cover

Posted by Steven Green on Wed, 17 Sep, 2008 08:00 AM

Ooba InsuranceWith Ooba home loans making ways in the South African property market, every seems to have overlooked Ooba's incredibly competitive range of insurance products.

We've put a little page together for all of you to review what the Ooba insurance products consist of. They are the cheapest insurance in the South African market right now and the only insurance company in South Africa to have the backing of all 4 of the major banks.

Click here to read up about Ooba Insurance.

Finance Property in Dubai

Posted by Steven Green on Thu, 02 Sep, 2008 17:00 AM

Ever dreamt of that magical property in Dubai?

Well Wizard Midrand have teamed up with a great company in Dubai. If financing a property in Dubai is what you need, then I suggest getting your mortgage through Independent Mortgages UAE.

No Change In Interest Rates

Posted by Steven Green on Thu, 15 Aug, 2008 14:00 AM

Much to the relief of South Africans yesterday, governor Tito Mboweni decided to keep the interest rates at a good and solid 15.5%. This is very positive for the real estate industry in South Africa...

Could this be the turn we're all waiting for??

Tip of the week: If you're in the process of looking for property to buy, check your credit record today and avoid any possible delays. Click here for your ITC & Experian Checks.

Affordable Property - Investment Clubs

Posted by Steven Green on Wed, 17 Jul, 2008 14:00 AM

Don't know how you feel, but;

I'm tired of being told that I can't afford a property!
I'm tired of being told that my home loan affordability is an issue!
I'm also very tired of telling people that their property purchase is not going through because the banks don't want to loan them the money they've requested due to affordability issues.


Here's the good news, here's a little secret on how you can afford the property you've always wanted and how affordability is not an issue... Find a friend, find a family member and lets get cracking with Fractional Investments! Read More Here... Investment Clubs

Banks Change Home Loan Lending Policies

Posted by Steven Green on Thu, 13 June, 2008 11:59 AM

Banks change their lending policies!! Sounds bad, well, it ain't!

The banks have tightened their reigns on mortgage lending even after TITO decided to up the mortgage interest rate by only 50 basis points.

Banks now want people to put down deposits before they'll even consider giving you a loan. To find out more about the home loan lending policy changes check out the chart that Wizard Home Loans has put together for you. Read it carefully before you sign that offer to purchase.

New bank lending policy changes for mortgages.

CURRENT INTEREST RATE: 15.5%

We need positive change in South Africa

Posted by Steven Green on Thu, 29 May, 2008 09:09 AM

People blame it on a lack of leadership, but maybe it starts with us? South Africans are so quick to blame the government for all the negativity in our country at the moment, but are they willing to be part of the positive movement that's needed. We find ourselves on the brink of another interest rate hike, but it's not GLOOM, it's time to make use of the interest hike! Use your access facility or access bond to your advantage and lets get out of this negative frame of mind.

Other Articles: Cleaning Up Your Credit Record

Home Loan Lending Practices Change.

Posted by Steven Green on Thu, 19 May, 2008 16:20 PM

ABSA Home Loans change their lending practices:

R0 – R800 000 : Maximum LTV = 100%
R800 000 – R2.7m: Maximum LTV = 95%
R2.7m – R4m: Maximum LTV = 90%
R4m: Maximum LTV = 85%

Vacant Land (irrespective of Loan Amount): Maximum LTV =75%

The question is, is a BOLD move to drop real estate prices in South Africa? Or are ABSA home loans they just being ANAL! The truth actually, and I didn't want to admit it as I actually wanted to slate them a little is that ABSA now partly owned by Barclay's have taken on Barcaly's global lending practices.

With secured loans comparison pricing you manage to get the loan repayments you require. Which is something that's been lacking of late.

Are other South African banks following suit? Nedbank say; "NO WAY!" Std Bank say; "We now see an opening in the market that we can capitalise on." FNB, WELL FNB HOME LOANS are in talks to remove the bond origination practice from their books totally. Well, that's word on the street! What do you think will happen?

Check out our BLOG and add your comments: South African Property.

Home Loans - How to Afford them!

Posted by Steven Green on Thu, 28 April, 2008 19:33 PM

With home loan interest rates increasing 5% in the last couple of months, home loan repayments have jumped through the roof and people are now having to dig deep to just pay off their mortgages. What do we as South Africans do???

Well for starters lets stop moping about it and lets do something proactive. So with another mortgage interest rate hike on the cards we believe it time South Africans start thinking financially. So here's the start of the Wizard Top 5 tips for saving money and still affording that home loan you've always dreamt of. Or should we say, keeping that home loan you HAVE!

Come on it to our Top Financial Tips section of our site.

Nearing Mt Everest. Interest Rates Climb Again!

Posted by Steven Green on Thu, 10 April, 2008 15:33 PM

Just when all was looking calm and all the property experts on the news were telling everyone that interest rate hikes were impossible as a another rate hike would not help the current global inflation problems that we in South Africa are also facing, Tito Mboweni hits us with a rate hike. Current Home Loan Interest Rate: 15%. Current Repo Rate: 11.5%.

INESTMENT TIP: It's time to Invest In Property! Investment Clubs - Way Of The Future!

Hot New Property Developments

Posted by Steven Green on Thu, 07 February, 2008 12:12 PM

Wizard is now offering hot new properties and stands for sale in some of South Africa's most prestigious estates. With our new private property section now taking off, we're pleased to say that our list of available properties for sale is now reaching the 30 mark.

Lets give you a little sneak of what's on offer:
Hoedspruit:
Raptors View Wildlife Estate - 1 Hectare Stands - View Hoedspruit properties
Bloubank Game Farm - Seeking Investors in a new Game Farm.

Pretoria:
2 Bedroom Loft Units - Zambezi Drive - View Pretoria properties

Dullstroom:
Fractional Ownership Investment - Highlands Gate

For more information please contact Wizard on +27 12 341 2223 or check out our properties for sale section.

Standard Bank - First time buyers special

Posted by Steven Green on Thu, 07 February, 2008 12:12 PM

First Time Home BuyerFirst time buyer? Does this ring a bell? If so, then you've come to right place. Standard bank have come to the part and lifted their game.

With the new Std Banks home loans special for first time buyers, you'd be silly to miss this opportunity to finally take advantage of the banks. As you may or may not know, first time buyer loans allow you as a first time home owner to purchase a property with you loans registration and transfer costs included in the bond.

Some banks refer to this as a 108% loan. Standard banks new home loans special alleviates the need for a 108% as they are offering first time buyers, free bond registration costs. For more information and your Std bank application please see our Standard Bank Special Section...

African Bank Personal Loans

Posted by Steven Green on Thu, 10 January, 2008 14:18 PM

African Bank is now offering some great personal loans deals. For more information on African Banks Personal Loans please the African Bank Personal Loans section now...


ABSA Home Loans launch 10 year fixed rate option

Posted by Steven Green on Tue, 27 November, 2007 10:18 AM

ABSA BankABSA Home loans have once again outdone themselves. Launching the very first fixed rate option available for South Africans. It's a great step forward and the fixed rate options they're giving clients are very good rates. This obviously comes in light of the potential 0.5% increase in interest rates again this year...

Good on you ABSA bank. Come on through to our banking section and read up about the new fixed rate options offered by ABSA TODAY.

Home Loan debt consolidation - Debt Doctor Consultation

Posted by Steven Green on Tue, 6 November, 2007 04:12 PM

With home loans debt consolidation and debt management being a major problem and the brunt of the calls that Wizard Home Loans are getting these days, we've managed to find an expert in the debt field that's willing to help clients out FREE OF CHARGE with debt consultation services.

With interest rate hikes shooting through the roof, the Credit Act that's come into affect, mortgage problems arising in the U.S., major instability in the escalating oil prices and our imports FAR exceeding our exports for 2007, South Africans are slowly starting to feel the brunt of the cost of property and home loans. With debt consolidation the debt doctor can help you.

PLEASE NOTE: this is a free service and responses will only be done and accepted via email.


Interest Rates 14.5% - Home Loans Interest Rates Increase

Posted by Steven Green on Tue, 2 October, 2007 11:12 AM

Home Loan Appication

Interest Rate hikes.... Here it comes again. This time a little unexpected I won't lie. With the repo rate increasing another 50 basis points, Tito Mboweni and the reserve bank decided that home loan interest rates would increase to by 0.5% bring the home loan and mortgage rate up to 14.5%.

Home Loan rates have now increased from 10.5% to 14.5% since 2005! Will this be the last one?
How many more interest rate hikes can this country take?

Standard Bank Homeloans

Posted by Steven Green on Mon, 3 September, 2007 4:45 AM

Standard Bank Home Loans

Is Standard Bank your bank of choice for home loans. Do you currently have a home loan with Standard Bank? If your answer is yes and you've considered getting a further loan on your existing bond account take a look at the special that Standard Bank home loans are currently running...

Click here for more information on the Standard Bank further loan special or call Wizard on 012 341 2223.


Bond Originators - Is it the end?

Posted by Steven Green on Wed, 22 August, 2007 11:00 AM

Well it's been such an exciting and action packed month again in the world of bond origination that we really haven't had much time to update our site. As mentioned last month, Bond Originators beware. Wizard Midrand is on the loose. Take a look at our BLOG, we have some great posts that have been put up by Chris "The Mage" in the last couple of days, plus we have our new "Online Property Courses" for bond originators and South African property guru's.

The reason I'm putting this post up though is that there's been alot of talk about bond originators loosing business and the mortgage market dropping off so I thought I'd shed some light on the topic. Check out the Bond Originators section on our site...

Thanks to all of you who continue to support us, I say BOND ORIGINATORS ROCK ON!

Related Articles:
The story behind SA Homeloans
Mortgage SA the bond originators behind Pam Golding
Bond Choice, are they the boys to watch out for?
Who are Loanlink Broker Services?

-3% BELOW PRIME?

Posted by Steven Green on April 30, 2007

IS THIS A RATE OR WHAT? IS IT TRUE?
IS IT POSSIBLE? Are people offering interest rates of -3% below prime lying?
Read On...

Home Loans | Private Property | Bridging Finance
| Money Transfer | Fractional Ownership | National Credit Act |
Credit Bureau | SA Home loans | Bond Originators | Tyra Banks and Banking
| Debt Consolidation | Personal Loans |


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