Pre-Qualification

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Thinking of buying property?

Then you are already on the right track as a Pre-Qualification is the very first step when wanting to purchase a property.

We will pre-qualify you for a home loan so that you know exactly what you can afford and what the costs involved will be.

When you pre-qualify with us, we help you set a homebuying budget so that you can house-hunt with confidence. We even factor in future rate increases to ensure that your home loan repayments remain affordable. And we do it all free of charge. What’s more, when you’re ready to apply for a home loan, we’ will submit a single application to multiple banks on your behalf and lean on our strong, established relationships with them to negotiate the best possible rate and deal for you.

Your Name prefix, Mr or Mrs?

Find out how much home you can afford within minutes. Each applicant should fill out their own form. If you're married COP, your spouse should complete the form as well, regardless of their employment status.

MortgageMax, a division of BetterLife Origination Services Proprietary Limited (“MortgageMax”) and its MortgageMax Licensee1 together with other members of the BetterHome Group (comprising BetterHome Group Limited and entities in which it has a direct or indirect financial interest) (collectively “we” or “us”) offers a range of services relating to your home journey to make your home dreams come true, seamlessly and efficiently. By submitting this form, you appoint MortgageMax (M-ORTGAGE.COM) and the BetterHome Group to be your lawful representative and agent in your name, place and stead, to obtain a copy of your personal credit report (“PCR”) from a Registered Credit Bureau. You agree to MortgageMax’s Terms and Conditions available at https://www.mortgagemax.co.za

Name & Surname *

Contact Number *

Your E-mail *

Id Number *

Are you a first time home buyer? *

Yes

Salary frequency *

Monthly

Fortnight

Weekly

Marital Status *

Single

Married COP

Married ANC

Other

Employment Country: *

South Africa

Abroad

Property Practitioner Details

If a property practitioner (agent) has referred you for a pre-qualification, please provide us with their details.

Name of Agent *

Contact Number of Property Practitioner

M-ortgage.com Powered by MortgageMax, a division of BetterLife Origination Services Proprietary Limited (“MortgageMax”) and its MortgageMax Licensee1 together with other members of the BetterHome Group (comprising BetterHome Group Limited and entities in which it has a direct or indirect financial interest) (collectively “we” or “us”) offers a range of services relating to your home journey to make your home dreams come true, seamlessly and efficiently. By submitting this form, you appoint MortgageMax and the BetterHome Group to be your lawful representative and agent in your name, place and stead, to obtain a copy of your personal credit report (“PCR”) from a Registered Credit Bureau. You agree to MortgageMax’s Terms and Conditions available at https://www.mortgagemax.co.za

Monthly Income & Expenses

Basic Salary / Wage

Average Commissions

Investments

Rental Income

Housing Subsidy

Average Overtime

Monthly Car Allowance

Travel Allowance

Other Income

Deductions

Income Tax - PAYE / SITE

Pension

UIF

Medical Aid

Other Deductions

Expenses

Assurance (Life, Retirement Annuities)

Domestic Wages

Donations

Education

Groceries

Insurance and Funeral Policies

Maintenance / Alimony

Petrol and Transport Costs

Security

Rental

Water and Lights

Other

IN ORDER TO OBTAIN THE PCR, YOU AUTHORISE M-ORTGAGE.COM -

a) To contact, request and obtain credit information (for the avoidance of doubt this includes any and all information held on your profile including payment profile information) from a Registered Credit Bureau to verify your identity, perform an assessment of your behaviour, profile, payment patterns, indebtedness, whereabouts, and creditworthiness or any other related purposes in any format (including in pdf, xml or raw data string) available from a Registered Credit Bureau; b) make any reasonable enquiries to verify and research any details provided by you to MortgageMax; c) to access the information in any format, including online, batch and raw xml string and you consent that the enquiry should not be displayed on your credit profile if the enquiry was not performed for credit application purposes; d) to submit your information, including payment profile and default information and any other relevant information, to a Registered Credit Bureau and to allow the Registered Credit Bureau to release the information for lawful purposes to MortgageMax and where applicable, relevant third party. You are aware that you are entitled to one free PCR per year from any registered credit bureau and that you can obtain your free PCR by contacting the credit bureau directly, either telephonically, by way of email, fax or attending the office of the credit bureau in person. You are aware that you have the right to challenge the accuracy of any information contained in your PCR directly with a credit bureau. Attached to this is a copy of your Identity Document. You confirm that the information furnished herein to the registered credit bureau is true and correct. You agree and give consent to MortgageMax to share a copy of your PCR with a third party, where applicable, if proceeding once the pre-qualification has been completed. *

I consent

I do not consent

Declarations: I/we (the applicant/s) declare and confirm that • I/we are not unrehabilitated insolvents and I/we have not applied for nor am I/are we under debt rescue • I/we hold no other citizenships and residence for local and international tax purposes, other than those disclosed in this application form. I/we will inform the relevant financial institution in writing of any change of this status within 30 days of the change of status. • I/we warrant that all information (irrespective of the format) supplied by me/us is to the best of my/our knowledge and belief true and correct in all material respects. I am not aware of any other information which would, if it were to become known to the financial institution, affect the consideration of my/our application in any way. • The bond consultant that has assisted me has explained the advantages of paying a deposit on the property I intend on purchasing and has also explained that there are costs involved in taking transfer of the property. • The Services provided require personal information being shared on any adequate platform including but not limited to contacting me/us via a phone call, WhatsApp, Email, SMS or any other digital means. • The Services provided by MortgageMax are not intended to be financial, tax or legal advice and should not be construed as such. MortgageMax and their service partners are not financial planners, financial brokers or tax advisers. My/our personal financial situation is unique and therefore before making any decisions utilising the information obtained from MortgageMax, I/we shall obtain advice from an accountant or other financial advisor who is fully aware of my individual circumstances and never take up a home loan that will stretch my repayment capacity to its maximum

I consent

I do not consent

Please upload the below documentation

Id Copy

Latest Payslip

You agree and accept that M-ortgage.com will be your exclusive provider for assistance with your home loan for the next 90 days, regardless of the agent or property. *

I agree to return to M-ortgage.com for home loan assistance after finding a property.

I agree not to return to M-ortgage.com for home loan assistance after finding a property.

By submitting, you acknowledge acceptance of our terms and conditions, confirm completion of this form through our website, and understand that no physical copy will be provided. Additionally, you consent to the processing of your personal information by us.

(*) Required fields