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Property Factor is a mortgage originating company, operating under the Mortgage Max banner, brokering the best home loan facility for its clients.
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Renovate or relocate?The days are brighter. Our energy levels have lifted. The creative juices have started flowing. And, the economy allowing, we hopefully have extra cash in our pockets. All the elements needed to stimulate ideas around improving our living space. But do we renovate or do we relocate? Here are some points to ponder... 15 Dec 2017 Read more

Ten tips to ensure you remain creditworthyHome loan applications are scored electronically before being assessed by an individual. Points are allocated based on the information provided and the applicant's credit record. Should the banks' electronic system decline an application, it requires a very strong, well-supported motivation for a credit manager to override this decision. So how do you ensure that you obtain a good score and are first in line when it comes to credit extension? 26 Sep 2017 Read more

Blockchain's potential to revolutionise the mortgage and real estate industryAs with the internet some 25 years ago, blockchain is an exciting new technology that cannot be ignored. It will affect most industries and the real estate industry is certainly not immune to it. 1 Sep 2017 Read more

Is refinance still viable?We ran a somewhat controversial piece in our March 2017 edition called ‘The Demise of the Access Bond', in which author, Gary Palmer of Paragon Lending Solutions, claimed that “the age of the access bond is over”, and that traditional access loan have been “all but eradicated”. 27 Jul 2017 Read more

Legislation compels banks to tread lightlyWhen we first became aware of the banks reluctance to finance properties registered in entities (company, close corporation or trust), we were a little taken aback. After all, this may not necessarily be the most lucrative way of purchasing property, but it surely is the safest, as it separates the asset (the property) from the individual's personal financial obligations and misdemeanours. Furthermore no bank will finance a property in an entity without obtaining a surety from the individuals who control the entity, be it its directors, members or trustees. So what is the risk...? 24 Jul 2017 Read more

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