About Just Money
Take it from a home loan broker that has been in the game for over ten years, home loans are not always as clear cut as they appear.
While organizing your own finance can be empowering, we are more interested in ensuring South Africans are able to save money on the home loan option they have been offered.
We take the stress out of finance
There are no two thoughts about it – finance is stressful, particularly home loans. When you enter into a home loan agreement, you are effectively assigning a lifetime of debt to yourself. You want to make sure that you are able to secure the most affordable loan possible so that you can maximize your overall savings throughout the years.
This means that we are experts who know our way around the mortgage market and we can use our keen negotiation skills to arrange a home loan that is directly tailored to your individual needs – we do not believe in any ‘cut and paste’ loan deals!
This is our promise to you
You are not alone in this fight and we promise to keep by your side from start to finish. Just Money is here to extend the helping hand or shoulder you need to keep you afloat throughout the process. Not only will we assist you in finding the best financial products and services, we will also provide logical and coherent solutions to your financial problems.
You work hard to earn your money so we will work hard to ensure that you can keep as much of it as possible. You are a busy person, we get that, which is why we do all the legwork for you. All that you have to do is show up and sign the documentation!
What Just Money can offer you
There are numerous different types of home loans all accommodating to a variety of financial circumstances and preferences.
Just Money is here to help you understand each option and determine which one is the best fit for you.
Before you complete an application
The largest influencing factor of a home loan is the interest rate. If you are quoted a high-interest rate, your monthly repayments will be high and vice versa. But there are ways to reduce the chances of being offered a high-interest rate – the most prominent option being that you get your credit score in order. A lower credit score is proportional to the interest rate you will receive.
Before you start looking to apply for home loans, get your credit sorted out; make all your repayments on time and eliminate some short-term loans or store card debt if possible.
Let’s talk about options
When applying for a home loan you will be offered three different options: fixed, variable, and capped rate home loans. Variable-rate home loans do not have fixed rates, instead, the rate fluctuates according to the current prime rate. This means that your monthly repayments will not remain the same and will increase or decrease in conjunction with the fluctuations in the interest rate.
However, a fixed rate home loan maintains the same rate throughout the lifetime of the home loan. Capped rate home loans are somewhat a combination of the two wherein the interest rate is allowed to fluctuate but not above a certain threshold.
Just Money Product Details
- Loan Type Property finance
Just Money – home loan advice you can trust
Now that you are aware of all the options, it is time to make a choice.
While you should not rush into a home loan without considering all your options it does not help to dally either. Send us a loan application and allow us to work our magic – you might be able to get the home you have been eyeing sooner than you think.
Complete that application
The Just Money application is simple and easy to follow. We are not trying to catch you out anywhere and want to hear from you as soon as possible. Just visit our website and click on the ‘apply’ button. From here all you need to do is follow the steps. Once we have assessed your application, one of our people will be in contact with you. You can apply with us for a home loan even with a bad credit score.
Documentation that you will need
When we are applying to various lenders on your behalf, there are particular documents that we will need to obtain the best loan possible. These documents include:
- Certified copy of your South African ID
- Proof of residence
- Three month’s bank statements
- Proof of employment/income
The decision is in your hands
Just because we have procured a number of home loan offers does not mean that you have to be satisfied with the offers that we have received. Under no circumstances are you obligated to agree to a deal that you are not happy with. Tell us to keep searching and we will do just that!
Customer Reviews & Testimonials
With Just Money finance is never just about the money. They are dedicated to great service, committed to empowering South Africans financially and super friendly. Thank you for all the effort you...
— Bellville —
Getting my home loan organized through Just Money was the best decision I have ever made. You should follow in my stead and do the same!
— King Williams Town —
Just Money Contact Details
- 186 Loop St, Cape Town City Centre Cape Town Western Cape 8001 South Africa
- Get Directions
- Monday 08:00 – 17:30
- Tuesday 08:00 – 17:30
- Wednesday 08:00 – 17:30
- Thursday 08:00 – 17:30
- Friday 08:00 – 17:30
- Saturday – Closed
- Sunday – Closed