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If you’ve tried to apply for a conventional home loan recently, you might be used to hearing ‘you can’t afford it’. Well not with Housing Investment Partners (HiP). We look at our Clients the same way you look at a home – with great detail and care. We truly value that you are a loyal, Read more

If you’ve tried to apply for a conventional home loan recently, you might be used to hearing ‘you can’t afford it’. Well not with Housing Investment Partners (HiP). We look at our Clients the same way you look at a home – with great detail and care. We truly value that you are a loyal, hardworking employee; we care that you want to buy a quality grade home; and we understand that you need your monthly repayments to be both affordable and predictable. That’s why we take into account your future earnings potential, and not just your current salary, when considering your housing finance needs. In fact, we used this as a criteria when creating HiP Home Finance to allow you, the first-time buyer, and the opportunity to own your dream home today.

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What are the benefits of HiP Home Finance?

  • Improved affordability
  • More home finance than what you would have qualified for through conventional offerings, both sooner and at a lower initial repayment.
  • Affordability is maintained throughout the term of the agreement.
  • Repayments are predictable and always a fixed percentage of your salary (maximum of 30 %) for the duration of the loan.
  • Access to finance for those who otherwise would not have qualified due to affordability.
  • Consideration of your future earnings stream.
  • Repayments are escalated annually – in line with your salary increase.
  • Repayments are not impacted by changes in the interest rate.
  • Home ownership – at least 5 years earlier than conventionally possible.