Tell us about your income, monthly bills and what you have saved, and use our simple calculator to get your maximum home price.
Mortgage,
your way
A mortgage experience made for real people. Start your homebuying journey with confidence with our team of dedicated specialists.
Mortgage,
your way
A mortgage experience made for real people. Start your homebuying journey with confidence with our team of dedicated specialists.
QUICK LINKS
Apply for a mortgage
What can you afford?
Get in touch with us
Your partners from the get go
Find your perfect home
Now that you have a clear picture of your finances and how we can help you, it’s time to go shopping! Use a realtor or the classifieds to help you find the right home to fit your lifestyle and budget.
Gather your documents
We’re all about making home ownership simple. Here’s a handy checklist of all the documents you’ll need to put together ahead of submitting your mortgage application with RHAND.
Make an offer
Found your dream home? It’s time to make an offer. Consider the property’s condition and look up comparable sales in the area before settling on a price (if the seller is open to negotiation). If possible, enlist the help of a real estate agent to help you craft an attractive offer.
Apply for a mortgage
This is the easy part. With your documents and offer in hand, get in touch with our team of dedicated specialists to get started. We’re here to make the process hassle-free and answer any home financing questions you may have.
Close with confidence
Review your mortgage documents, sign on the dotted line, and get the keys to your brand new home. Congratulations; you’re now officially a homeowner!
A simpler way to mortgage
Eveyone needs a home, but it’s often difficult to meet the strict criteria of the mortgage market. Maximize your dreams of owning your own home with us.
At RHAND, we’ve got the right deal for you. Our mortgage loan comes with additional perks that make buying a home that much easier.
One mortgage, endless benefits
Purchase a house and land
Purchase land alone
Purchase a share in a property
Complete renovations
Construction and repairs
Consolidate other debts
Setting the standard for easy financing
No penalties on lump sum payments
We benefit when you do. Take advantage of a pay increase or extra cash to pay off your mortgage faster by making lump sum payments on top of your regular payments at no extra cost or confusing waiting period.
Honest rate quotes
We believe in making your mortgage process as transparent, fair, and hassle-free as we can. Enjoy honest rate quotes and clear, upfront pricing from a Credit Union that remembers that our members are our owners and delighting them is our bottom line. We will even let you know if RHAND isn’t your best option.
No processing fees
It’s easy to lose track of what you’re paying for and how much you’re spending during the mortgage process. We clearly outline any mandatory closing costs and charge no extra processing fees, ever.
Bespoke customer service
Our team of dedicated specialists are committed to simplifying what can easily be a frustrating process by helping you sort through the jargon, gather your documents, and get you into your dream home quicker and easier.
Qualify for a consumer loan
Mortgage application includes sign up for a regular consumer loan with a repayment term of no more than 24 months. Funds can be used to purchase household furniture, appliances, or to meet living expenses.
Cash back during the term of your mortgage
When you do well, you benefit. For the last three (3) years, the membership has approved Patronage Refunds which put cash back into your pockets for paying your loan on time.
Max Loan Amount: $3 million
*Special Conditions Apply: (i) Subject to salary deduction only, (ii) assignment of life insurance, (iii) other normal lending conditions apply
What you'll need
Apart from the basics, you will also need:
- Copy of Mortgage Deed or Title Deed to the property/Certificate of Title
- Valuation Report by an approved Valuator (should not be more than six months old)
- WASA Clearance Certificate
- Copies of applicable up-to-date receipts for land and building taxes, lease rent, water rates and maintenance fees
- Fully Comprehensive Homeowners Fire Insurance
- Life Insurance
Land loans also need:
- Cadastral Sheet approved by Town & Country
Home construction and renovation loans also need:
- Approved building plans
- Detailed builder’s estimate
- Contractor’s all risk insurance
- Quantity surveyor’s report
Take the next step
Ready to apply for a mortgage?
We’ll guide you through the mortgage application process to get you into your new home.
Know what you can afford
See what your mortgage payments would be based on the loan amount, interest rate and loan term.
Connect with a Mortgage specialist
Need some more assistance? Connect with one of our mortgage specialists to get started.
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