HSBC

If you want to ensure that your financial plan starts to actually work, you can visit the articles section on our website. Here, we will give you all the tips you need to make you start taking proper care of your money and avoid short-term loans and unnecessary debt.

There have been a number of customers who recommend reading these articles because they have seen the change it has made for their bank accounts. If you are also someone who wants to learn all the secrets people use to ensuring their finances are always up to par, read our articles.

Trusted and knowledgeable staff

We take pride in our employees who go above and beyond to ensure that our customers are assisted with everything that they required as far as their mortgages are concerned. We will always put on the extra effort of ensuring that our clients are always happy.

Any query you have can be addressed to one of our agents and we will ensure that we attend to your concern as soon as possible. Appointments can also be made if you are not comfortable with divulging your personal details over the phone. Allow us to give you the best gift of owning or revamping the one place that feels like home, your very own little heaven.

Always apply for the exact amount that you need

The customer has to furnish us with personal details pertaining to your home address, employment information and remuneration details. These documents will help us be able to determine the amount you would be due to get and how much your monthly repayment will be. We will need all the details pertaining to your finances including current credit cards and loans. Should you meet our credit criteria, we will contact you and tell that your loan application has been successful. There is no need to give yourself unnecessary credit when you are looking for a loan. All you have to do is apply for the exact amount that you need and you would be sorted.

It is also useful to remember that you should always apply for something that is necessary such as home renovations or purchasing your first home. Financial discipline is important if you don’t want to see yourself in a position where you are paying for unnecessary credit. Homes are important and if you have the financial capability to own one, go for it.

What are the implications of not paying my mortgage on time?

It is normally the joy of every customer to finally have a place they can officially call home. Failure to repay your home loan will result in having your home or even vehicle repossessed.

The last thing you need is to have your car or house taken away from you. It is imperative to ensure that you always have money in excess to pay for your home for the sake of your credit profile. Once your credit profile is tainted, it takes a number of years to have it repaired again. It may prove to be even harder to get a home, vehicle or any personal loan in the future.