Our Services
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It’s important to discover the ideal home loan solution that aligns with your individual needs and financial capacity. Given the multitude of home loan options present in the market, each boasting distinct rates and features, it essential for you to understand the terms of your chosen loan.
‘Here at Cap Coast Home Loans, we take pride in our seamless expertise in ensuring the smooth settlement of your loan!’
Services options
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(a loan) either to purchase or secure against the property from a financial institution via a mortgage broker (that’s what we do!). Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. It’s always best to speak with a mortgage broking professional to determine the loan that is right for you.
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Investment loans are structured in a specific way that allows you to make the most of your assets! An investment plan is one that works towards building your wealth and securing your financial freedom. For some, the future may seem a long way off, but the time to act is now because the future waits for no one. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches.
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The variable rate loan offers more features and flexibility than the basic or “no frills” loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.
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A loan with lower repayments for the first six to twelve months. After the ‘honeymoon’ the loan becomes a standard variable loan and the repayments increase. Make sure that you can meet the higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period to switch to another loan type.
Have you got a question regarding our Home Loans?
Would you like assistance in navigating the maze of borrowing options and buying processes at your own pace? Here are some commonly asked questions that we receive regularly!