Annuities

With an ENNIA annuity mortgage you know you will have repaid your mortgage at the end of the loan term. You pay a (gross) monthly amount that is almost the same over the full term and you will not be faced with unpleasant surprises.

Your monthly payment covers interest and repayment. In the early years of the loan the repayments make up a relatively small portion and the interest portion is relatively large. As you approach the end of the loan term, you will be repaying much more of the principal, while paying much less interest. However, the amount you can deduct from income tax decreases steadily over the term of the loan.

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Home loan fully repaid at end of loan term.
(Gross) monthly repayment almost the same over full loan term.
Complementary home insurance.

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At ENNIA, we believe it is important for you to find the home loan that suits your personal situation and budget best. Our home loan consultants are happy to discuss your situation with you.
They will look at your income, and possibly your partner’s income, as well as your fixed and variable overheads. This information is included in the ‘home quote’: the maximum percentage of your income you may commit towards your home loan repayments.

A mortgage commitment for a big part is made up of interest. If interest rates are low, you can borrow more, and vice versa. The value of your home is taken into account too, since your home provides security for the lender.*

* If you default on your home loan repayments, the lender is authorized to sell your property as a last resort.

Ask ENNIA or your independent adviser for personalized advice.

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