My Home Loans Gauteng/PTA

My Home Loans Gauteng/PTA Dream financial Planner 25 pages free to download here: http://bit.ly/3OLP20E

You don't need a will to buy a home. But you'll want one once you do. 📋This isn't meant to be heavy. It's meant to be he...
15/06/2026

You don't need a will to buy a home. But you'll want one once you do. 📋

This isn't meant to be heavy. It's meant to be helpful.

Buying a home is one of the biggest financial decisions of your life.
Protecting it with a simple, legally sound will is one of the smartest
things you can do next.

We're bond originators — not estate attorneys. But we always encourage
our clients to think beyond the transaction.

💬 Questions about the home loan process? DM us or use the link in bio.
www.myhomeloans.co.za

14/06/2026

A 1% interest rate difference on your home loan isn't small. 📈
Over 20 years, it's life-changing money.
On a R1 million bond, the difference between 11% and 12% interest could mean over R120,000 more paid to the bank over the loan term.
That's a car. A year of school fees. A significant investment. 📑
This is exactly what we fight for every time we negotiate on your behalf. Even 0.5% matters. 🏡
Check out our free bond assessment on our website;
www.myhomeloans.co.za

13/06/2026

This one number can make or break your bond application. 📑

Your debt-to-income ratio (DTI) tells the bank what percentage of your monthly income is already committed to debt repayments, things like a car payment, store accounts, and personal loans.

Most banks prefer a DTI below 35–40%. If yours is higher, it doesn't mean you won't qualify, but reducing existing debt before applying can significantly improve your offer.

Not sure where yours sits? Chat to us.
We'll assess your full picture before you apply.
www.myhomeloans.co.za

The same applicant, with the same income and credit score, can walk into three different banks and receive three differe...
12/06/2026

The same applicant, with the same income and credit score, can walk into three different banks and receive three different interest rates. 📈

Banks don’t tell you this. They quote you their rate, and most people accept it, without knowing they could have done better.

A bond originator submits your application to multiple lenders simultaneously and lets them compete for your business. 📑
That’s how you get the best rate.
That’s what we do. Every single day.

Contact us for a FREE pre-approval!
www.myhomeloans.co.za

10/06/2026

Yes, apply BEFORE you find the house.

Here's why it matters:

In a competitive property market, a pre-approved buyer has a serious edge.
Sellers trust you. Estate agents prioritise you. And you don't waste weekends viewing homes outside your budget. 💸

Pre-approval takes the guesswork out of house hunting, and with us, it's completely free!

Don't wait for the perfect property. Get pre-approved first, then go find it knowing exactly what you can afford. 🏡

Link in bio to start.

08/06/2026

Pre-approved… but then declined? 🧐
It’s rare, but it can happen — and usually comes down to changes in your financial position. In South Africa, things like taking on new debt, changing jobs, or missed payments during the process can affect the final outcome.

Consistency during your application period is key. 🔑
If you’re unsure what could impact your approval, we're here to guide you.
www.myhomeloans.co.za

Nobody teaches you this stuff in school. Bond originator? LTV? Transfer duty? Repo rate? Pre-qualification?It sounds lik...
07/06/2026

Nobody teaches you this stuff in school. Bond originator? LTV? Transfer duty? Repo rate? Pre-qualification?
It sounds like a different language - and honestly, it kind of is.
That's why we exist. You don't need to become a home loan expert. You just need to know us. We'll handle the confusing parts. You handle the exciting ones — like choosing between open plan and a garden.
Drop a "🔑 " in the comments if homeownership is on your 2026 vision board. 🏡

04/06/2026

That’s what this is all about 🤍
Visit our website or send us a DM, let’s get the best rate for you.

www.myhomeloans.co.za

SARB UPDATE | Prime Rate rises to 10.50% 📣The South African Reserve Bank's Monetary Policy Committee announced a 25 basi...
03/06/2026

SARB UPDATE | Prime Rate rises to 10.50% 📣

The South African Reserve Bank's Monetary Policy Committee announced a
25 basis point increase to the repo rate today, bringing it to 7.00%.

This means the prime lending rate — the rate most home loans are linked
to — increases from 10.25% to 10.50%, effective 29 May 2026.

What does this mean for you?

If you have a variable rate home loan, your monthly repayment will
increase slightly. On a R1,000,000 bond over 20 years, a 25bps increase
adds approximately R170/month to your repayment.

If you're concerned about how this affects your bond, or you're thinking
about locking in a rate before further changes — let's chat.

📩 DM us or use the link in bio for a free assessment.

We're here to help you navigate it. 🏡

Getting bond approval is a MASSIVE milestone - but it's not the finish line.There are still a few important steps betwee...
02/06/2026

Getting bond approval is a MASSIVE milestone - but it's not the finish line.
There are still a few important steps between "approved" and actually getting the keys in your hand - and most first-time buyers don't know what they are until they're in the middle of it. 🔑

✅ Save this carousel and share it with anyone who 's in the process right now.

And if you have questions about any of these steps — our DMs are always open.

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Centurion
0157

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Tuesday 08:00 - 05:00
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Thursday 08:00 - 05:00
Friday 08:00 - 05:00
Saturday 09:00 - 00:00

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