Self-Employed and Buying a Home? How Bond Approval Works Differently in South Africa
If you run your own business, freelance, or work on a contract basis, getting a home loan approved in South Africa is entirely possible, but banks assess your income very differently to how they’d treat a salaried applicant. Instead of a payslip and a fixed monthly figure, they want to see a track record, usually […]
What Happens After Your Bond Is Approved? The Buyer Timeline
Understand the buyer timeline after bond approval in South Africa, from grant letter and attorneys to insurance, registration, transfer and moving.
Joint Bond Applications in South Africa: What Couples Should Know
A practical guide for couples applying for a joint home loan in South Africa, covering income, debt, credit records, affordability and shared responsibility.
Home Loan Pre-Approval Checklist Before Viewing Properties
Use this South African home loan pre-approval checklist to prepare income documents, expenses, credit checks, bank statements and a realistic budget.
Bond Originator South Africa: How It Helps Buyers Compare Banks
When you apply for a home loan directly through one bank, you see one bank’s answer. When you work through a bond originator, your application can be packaged and submitted to multiple banks, giving you a better basis for comparison. In South Africa, a bond originator acts as a link between the buyer and the […]
First-Time Home Buyer South Africa: 7 Steps Before You Make an Offer
A practical first-time home buyer guide for South Africa covering affordability, documents, pre-approval, viewing checks, costs and bond basics.
Why bond pre-approval matters before you start house hunting
Learn why South African home buyers should get bond pre-approval before viewing properties or making an offer.
First-time buyer bond approval checklist: what banks look for before saying yes
A practical checklist for South African first-time buyers applying for a bond in a higher interest rate environment.
Buy now or wait? How to make a smart property decision when interest rates are higher
A practical South African guide to deciding whether to buy property now or wait when prime lending is around 10.5%.
Prime lending rate at 10.5%: what the latest increase means for your home loan
South African home buyers have had to adjust their budgets again after the latest interest rate increase. The South African Reserve Bank raised the policy rate to 7% at its May 2026 Monetary Policy Committee meeting, which means the prime lending rate has moved to around 10.5%.