About PCS
Home Loans
Buying a Home
Building a Home
Home Bond Calculation
Home Buyer
Estate Agents
Legal Services
Enquiries
Interest Rate Options
Cost Savings on your home loan
Calculate the additional costs
FAQ's on taking out a Home Loan
PCS Home Page

Home Loans

 

Regular Bonds

  A home loan to finance the purchase of a potential property where the monthly repayment comprises of approximately 30% of joint income. Normal term is 20 years (see bond calculator).

Equity Access Facility

  Gain access to any surplus funds paid into the bond account. Interest owing is calculated on the capital balance outstanding on a daily basis.

Building Loans

  Vacant stands are financed (normally with a deposit). Banks will make payments on progress draws for work completed on the approved building contract. Sufficient funds will always be retained in order to complete the building contract. For more information on building loans, click here.

Various Interest Rate Options

  * BA Linked Rates (3 months)
* Variable Rate (Linked to the prime lending rate)
* Fixed Rates (normally over 12, 18 or 24 months)

Guaranteed Home Loan Certificates

  Pre-qualified potential buyers in terms of affordability which will make house hunting a pleasure. All that needs to be done when the house is bought is for an assessor to visit property to ensure  that it is sufficient for the pre-qualified loan. This immediately makes the buyer a cash buyer.

Commercial Loans

  * Finance to purchase an existing office unit or the
   building of your own office unit;
* Purchasing of existing commercial buildings;
* Mini-factories, shopping centers etc.