Debt consolidation mortgage

We have developed a financial plan that is underpinned by a debt consolidation equity release mortgage. This is a unique product in South African marketplace. While similar products exist in more mature markets, our concept is uniquely designed for the individual within the context of the south African economic and political reality. We put a great deal of effort into individual financial planning and we also endeavour to recommend an authorised credit provider for you to consider as an alternate lender.

We understand the historical legacies of the past and, we understand the commercial realities of the future. Clients must take care when evaluating a product of this nature and that their home could be at risk if they do not maintain payments of their mortgage or any other loan secured by their property. In reality, we should still be able to recommend a financial plan that offers them with a cheaper alternative than their current monthly repayments. They will be able to facilitate this if there is enough equity in their existing property.

We suggest that clients consider both the short term and long term benefits and advantages of obtaining a loan, they will in effect be swapping very expensive short term debt with affordable long term debt secured by their home.

Our consolidation product is designed to meet clients' needs with a carefully formulated framework. We have strict criteria in building the financial model because, while we are ultimately a profit driven organisation, we realize that we have moral and legal obligation not to overextend our clients financially. Our advisors have been trained to formulate a plan that will allow them to meet their financial commitments and alleviate their creditor stress that they may have been living under for some time.



This type of Debt consolidation can assist you in



· Managing your monthly repayments and getting rid of highly expensive retail debt

· Eliminating harassment from your creditors on overdue amounts

· Lowering your monthly debt payments

· Providing one affordable monthly repayment



The most important benefit of our offering is that it can offer a fresh start on the road to a healthier financial status. If you are not coping with your monthly commitments, and you meet the criteria of the equity release mortgage, then our trained personal advisors can help you. We reduce your monthly bills by using some of the funds released from your mortgage to settle your credit repayments and outstanding debt on your behalf.