Melinda Kleyn
Melinda Kleyn is a home loan consultant at ooba Home Loans Bloemfontein West. She has worked in home loans since 2005 and is an ooba Elite consultant.
She helps buyers in Bloemfontein and the Free State get their home loan approved. You deal with her directly, by phone, WhatsApp or email. Her service costs you nothing, because the bank pays ooba when your loan is approved.
Experience and awards
- In home loans since 2005. More than 20 years of sending applications to South African banks.
- ooba Elite consultant. ooba gives Elite status to its top-performing consultants.
- Three-time ooba incentive winner.
- ooba national award for the highest take-up of home insurance among her clients.
- Banks: Absa, FNB, Standard Bank, Nedbank, Investec and RMB, with up to 7 lenders available through ooba.
Melinda runs ooba Home Loans Bloemfontein West together with Dewald Kleyn. ooba is South Africa's largest bond originator.
What Melinda helps with
First-time buyers
You have never done this before. Melinda explains each step in plain words and tells you what the bank will want to see.
Buying with no deposit
Many buyers apply for a 100% home loan. Melinda shows you what the banks look at, so you know where you stand before you apply.
One bank said no
A no from one bank is not a no from all of them. Each bank looks at your application in its own way. Melinda sends it to the others.
Getting a better rate
When more than one bank says yes, Melinda asks them to improve their offer. A small drop in your rate saves a lot over 20 years.
Building and further loans
Building a home, or borrowing more against the one you own. These loans work differently, and Melinda has done many of them.
Estate agents
Agents send their buyers to Melinda to check what they can afford before they make an offer, so deals do not fall through later.
Home loan advice from Melinda
- What Is a Bond Originator and Why You Need One
A bond originator submits your home loan to multiple banks simultaneously, at no cost to you. Find out how they work, why they get better rates than going direct, and how to get started in Bloemfontein.
- How to Improve Your Home Loan Approval Chances in South Africa
Banks approve roughly 75% of home loan applications submitted through a bond originator. The other 25% are declined for predictable, avoidable reasons. Here is how to make sure you are in the right group.
- Conveyancing in South Africa Explained: What Happens Between Offer and Transfer
Between signing the offer to purchase and getting the keys, a legal process called conveyancing takes place. Most buyers have no idea what is happening or why it is taking so long. Here is exactly what happens step by step.
- Home Loans for Self-Employed People in South Africa: What You Need to Qualify
Self-employed South Africans can absolutely get home loans, but the application process is different. Banks need to see consistent income over two years. Here is exactly what they look for and how to present your best case.
- FLISP: The Government Subsidy First-Time Buyers Often Miss
If you earn between R3,501 and R22,000 per month and have never owned property, you may qualify for a once-off government grant worth up to R169,264. Most qualifying buyers never claim it.
- Home Loan Declined? Here Is What to Do Next in South Africa
A declined home loan application feels devastating but it is rarely the final answer. Different banks have different criteria and an application declined by one may be approved by another. Here is exactly what to do next.
Not sure where you stand?
Send Melinda a WhatsApp. She will tell you what you could afford and what to do next. It is free.