How to qualify for a home loan in South Africa
What the banks actually assess, the credit score you need, the debt-to-income trap that causes most declines, and the six things to fix before you apply.
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Three free guides to buying property in South Africa, written in plain language and updated for 2026. Tell us where to send them.
The true cost of buying a home
The cash your bond will not cover. Full SARS 2026/27 transfer duty tables, attorney and deeds fees, and worked examples at R950 000, R1.5m and R2.5m.
First Home Finance: the subsidy guide
A government subsidy of up to R169 265 that most qualifying buyers never claim. Who qualifies, how much you get, and how to apply.
Free, no cost and no obligation. We will email the guide and a consultant may follow up — you can ask us to stop at any time.
Find out what you qualify for — free
A short call is all it takes to know your number. No cost, no obligation, and no impact on your credit score for an initial assessment.