Straight answers, fewer surprises
Questions to ask before you commit.
These answers explain the planning and enquiry journey. Product terms, credit decisions, legal advice and transaction-specific costs must be confirmed with the relevant professionals.
Does a calculator result mean my home finance is approved?
No. Calculator results are planning estimates. A finance provider applies its own verification, affordability, credit, property and product rules before making a decision.
What information may be needed for a home-finance application?
Requirements depend on your circumstances. Common items include proof of identity, proof of income, recent bank statements, details of expenses and debt, and property or offer-to-purchase information when applicable.
Can I start before I have found a property?
Yes. You can explore affordability and repayments before house-hunting, then contact Crescent Capital to discuss the assessment or pre-approval route available for your circumstances.
How long does an application take?
Timelines vary with document readiness, verification, finance-provider assessment, property valuation and legal processes. Crescent Capital can explain the next expected step but cannot guarantee a decision date.
Do you support Shariah-conscious home-finance enquiries?
Crescent Capital has a dedicated Shariah home-finance information page. Use the enquiry form to discuss the available route and the product documentation relevant to your requirements.
How is my personal information handled?
The online enquiry includes required consent and links to Crescent Capital’s POPIA policy. Only share personal information through the designated secure journey.
What other costs should I plan for?
Depending on the transaction, costs can include transfer duty, conveyancing, bond registration, deeds-office charges, insurance and other property expenses. Use the cost calculator as an estimate and obtain professional figures before committing.
Can extra bond payments make a difference?
Additional monthly or once-off payments can reduce interest and shorten a term, subject to the loan agreement. Model a scenario with the additional-payment calculator and confirm the rules with the finance provider.
Can Crescent Capital help me find or list a property?
Crescent Capital focuses on home-finance planning and enquiries. Solace Realty is a separate collaborating property business where you can browse verified listings or begin a seller listing journey. Property and finance services remain subject to separate terms and assessments.