How Your Credit Score Affects Your Home Loan in South Africa (and How to Improve It)
Your credit score affects whether you’re approved for a bond, how much you can borrow and your interest rate. Learn what banks check, what helps and hurts your score and how to improve it before applying.
Interest Rate Hike September 2026: Your Bond Questions Answered
The Reserve Bank has raised prime to 10.75%. A practical South African guide to how much your bond repayment will increase, what the hike means for affordability, and simple steps homeowners and buyers can take now….
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.