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Alternative to home mortgage finance

An alternative to Bond finance geared at small business owners. Small to medium business owners are finding it more and more difficult to qualify for bonds from South African banks who are desperately afraid of the high failure rate of new businesses in South Africa.

Banks are risk averse these days that if you are self employed, in a sales position without a fixed salary or any other employment where you have no guaranteed fixed amount of income, getting a bond is becoming almost impossible, even with large deposits and security, Crazy as it may seem, this is the reality of the home loan market.

How to decorate your plug and light switch plates

If you love to decorate and paint your rooms in your home, then this is the perfect project for you. Hardly anyone thinks about decorating the light switch covers or the plug covers to match the rest of the room or to add a little “this is my room”.

This project is so easy and cost effective, and will give your rooms that extra piece of character that it has never had before and don’t forget, with the holidays coming up, you can get the kids making the perfect home-made Christmas gifts. Just be sure to take a peek at their switches before you go about buying spares.

What can a Second Bond be used for?

second bondA second bond over your property can essentially be used for anything you wish to use it for but is most often used to add rooms, renovate, install paving or fencing. Typically people use their second bond to improve their homes but what we are seeing more and more of is people using the money from their second bond to settle existing debts and reduce their debt repayments. This is commonly known as debt consolidation read more

Consolidating debt using your Bond account

debt consolidationIf you are labouring under numerous different debt repayments that are high interest short term loans like clothing accounts, short term loans, vehicle finance or just owe someone you know money that you would really like to pay back as soon as possible then consolidating your debt using the equity in your home could be the right choice for you. read more

Debt Consolidation – get out of debt

debt-consolidationIf you, like so many South Africans are feeling overwhelmed by the debt trap that you got yourself into due in part to the lending policies of many banks, then you are an ideal candidate for debt consolidation. Debt consolidation is NOT debt review, it is you personally taking responsibility for your debt and deciding that the best thing for your peace of mind and your sanity is to get out of debt. read more

Debt Reduction Calculator

Use the debt reduction calculator to determine how long it will take to pay off all of your debt or find out what the result will be if you pay an additional amount towards your debt.