Refinancing
Should you switch your bond to another bank?
Refinancing an existing bond can save six figures over the remaining term — or cost you money. How to work out which, before you commit.
Guides
Plain-language guides to home loans, property costs and the South African buying process.
Credit
Can you get a home loan with a bad credit record in South Africa?
A low credit score is not an automatic decline. What South African banks actually look at, what disqualifies you outright, and how to improve your odds.
Applying
Every document you need for a home loan application in South Africa
A complete checklist of what South African banks require, whether you are employed, self-employed, a foreign national or earning commission.
Deposits and affordability
How much deposit do you need to buy a house in South Africa?
You can buy with no deposit at all in South Africa — but here is what a deposit actually does to your interest rate, your repayment and your chances of approval.
Costs and fees
Transfer duty and bond costs in South Africa: the 2026/27 figures
Exactly what you pay on top of the purchase price when buying property in South Africa, with the current SARS transfer duty table and worked examples.
First-time buyers
The first-time home buyer’s guide to buying property in South Africa
Everything a first-time buyer needs to know about buying property in South Africa: what you need to earn, what it costs up front, how the process runs, and where people get caught out.
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.