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%.
What Happens After Your Bond Is Approved in South Africa?
Bond approval is a major milestone, but it is not the final step in buying a home. This guide explains what happens after approval, including accepting the bank quote, issuing guarantees, attorney work, transfer, bond registration, lodgement, and registration.
Self-Employed Home Loans in South Africa: How to Prepare
Self-employed buyers can qualify for home loans in South Africa, but preparation is important. This article explains what banks usually look for, which documents may be needed, and how business owners can strengthen their application.
100% Home Loans in South Africa: Can You Buy Without a Deposit?
A 100% home loan can help buyers purchase a property without paying a deposit, but it does not remove all upfront costs. This guide explains how no-deposit bonds work, what banks look for, and why buyers still need a strong budget.
How Much Home Loan Can I Afford in South Africa?
Home loan affordability is about more than a quick salary multiple. This article explains how South African banks look at income, expenses, existing debt, credit behaviour, interest rate risk, deposit size, and upfront buying costs when assessing what you can afford.
Transfer Duty in South Africa: What Home Buyers Need to Budget For
Transfer duty is one of the most important once-off costs South African home buyers need to understand before making an offer. This guide explains what it is, when it applies, how it differs from transfer costs and bond costs, and why buyers should budget for it early.
Documents Needed for a Home Loan Application in South Africa
A complete home loan file is more than admin. It can reduce delays, improve lender response times and help you buy with more confidence.
Applying for a Joint Home Loan in South Africa: What Co-Buyers Need to Know
A joint home loan can expand affordability, but only when the structure is right. Here is what South African co-buyers should plan before applying.
What Credit Score Do You Need for a Home Loan in South Africa?
Your credit score matters, but it is not the whole story. Here is what South African lenders consider when assessing a home loan application.