Buying a home is exciting. Getting the home loan can feel a little less so.
There are different banks, different products, interest rates, affordability requirements and lending criteria to consider — and not every application is as straightforward as ticking a few boxes.
That’s where I come in.
I’m Belinda Rogers, Home Loan Specialist and the person behind Berry Co Home Loans, helping property buyers across South Africa navigate the home loan process
My background in property and finance has given me an understanding of both sides of the transaction. I’ve spent more than 15 years in the property industry, and today I specialise in helping buyers navigate the home loan process — from the first affordability conversation through to submitting an application to the banks.
I don’t just submit applications
One of the things I enjoy most about home loans is figuring out the deal.
Sometimes an application is simple. Sometimes the client is self-employed, earns commission, has multiple income streams, needs to restructure a deposit, or simply doesn’t fit neatly into a standard box.
This is where experience and an understanding of the different bank products can make a real difference.
Rather than looking at an application as a set of numbers, I look at the whole picture and consider how best to present and structure it.
How I can help you
Through Berry Co Home Loans, I can assist with:
- Home loan applications — submitting your application to multiple major South African banks and helping you compare the offers received.
- Pre-approvals — giving you a clearer idea of your buying position before you start house hunting or make an offer.
- Self-employed applications — helping you understand the additional financial information the banks may require and how your income is likely to be assessed.
- Complex applications — where income, deposits, existing commitments or the structure of the transaction need a little more thought.
- Affordability guidance — helping you understand the likely monthly repayment and upfront costs involved in buying.
- Support throughout the process — because getting an approval is important, but so is understanding what you’re signing and what happens next.
One client. Multiple possibilities.
Different banks can look at the same client very differently.
Their credit policies, affordability calculations, products and appetite can differ, which is why I don’t believe a home loan application should simply be sent off and left to chance.
My role is to help you understand your options, work through the banks and stay involved throughout the process.
And if something isn’t straightforward? That’s usually where I become particularly useful.
Thinking about buying a property?
You don’t have to wait until you’ve signed an offer to start asking questions.
If you’re planning to buy, I can help you work out what your repayments could look like and give you a better understanding of the costs involved.
You can also use the Berry Co Home Loan Affordability Calculator on this website to get a quick starting point.
And when you’re ready to take the next step, get in touch with me.
Belinda Rogers
Home Loan Specialist
Berry Co Home Loans
📞 067 862 7301
✉️ belinda@berrycohomeloans.co.za
K2020187850 (South Africa) t/a Berry Co Home Loans