Prime rate: 10.5% Next rate announcement: 23 September 2026 Transfer duty threshold: R1,210,000 First-time buyer subsidy cap: R22,000
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Property Economy 5 September 2026 Hannah van Deventer

South Africa’s Economy Is Showing Signs of Strength. What Does It Mean for Property?

South Africa’s prime lending rate remains at 10.5%, while inflation, employment, business activity and mining data are sending some encouraging signals. Economist Dr Roelof Botha explains what the latest economic trends could mean for homeowners, property buyers and the residential property market.

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Buyer Education Hub 24 August 2026 Hannah van Deventer

A Home Loan Application Isn't One Decision: Inside SA Bank Approvals

A bond approval feels like a single yes or no. Inside the bank, it's actually five or six separate teams, each with its own criteria, deciding in sequence. Here's what actually happens between application and grant, and why a deal can still unravel after approval.

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Buyer Education Hub 17 July 2026 Hannah van Deventer

Does Your Property Location Affect Your Home Loan Interest Rate?

Your property's location can affect your home loan approval and interest rate, but probably not for the reasons you think. Banks don't simply judge suburbs by reputation. They track historical default rates, their own exposure in an area, and what a risk premium can cost you in Rand terms. Here's how area risk classification works, why it matters, and why comparing multiple banks could save you thousands.

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Buyer Education Hub 15 July 2026 Hannah van Deventer

Investec Just Widened Its Net: Here's What Changed

Investec has quietly rewritten who qualifies for its Private Home Loan. Lower earnings thresholds for commission earners and entrepreneurs, a broader net asset calculation, and a new no-minimum-earnings pathway for young professionals in ten qualifying professions. Here's what actually changed, and why it matters for South Africa's earners.

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Buyer Education Hub 8 July 2026 Saskia Wright

First-Time Home Buyers in South Africa: Why Your Own Bank Isn't Always Your Best Bet

Most first-time buyers walk straight into their own bank, assuming loyalty means a better deal. It rarely does. Here's what a proper pre-approval actually involves, why past financial trouble shouldn't stop you from applying, and the discounts and cost cover you may be entitled to as a first-time buyer.

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Property Economy 7 July 2026 Hannah van Deventer

What the Latest Household Finance Data Actually Means for Your Bond (July 2026)

Interest rates are easing and household finances are recovering, but what does that actually mean if you have a bond, or want one? We break down the latest data in plain English, and what it means for property buyers and bondholders this July.

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Buyer Education Hub 2 July 2026 Lorian Aldous

Why Closing All Your Contractual Expense Accounts Isn't the Best Way to Improve Your Credit Score

Closing every credit account won't necessarily improve your credit score. Learn why keeping well-managed accounts open can strengthen your credit profile and improve your chances of finance approval.

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Buyer Education Hub 28 June 2026 Deb Wright

Why You Should Apply for a Home Loan When No One Else Does

Most buyers wait until the property market heats up before applying for a home loan. The reality is often the opposite. Quieter markets can mean better interest rates, faster approvals, and banks that are competing harder for your business.

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Property Practitioner Hub 27 June 2026 Hannah van Deventer

AI Explainer Series: Manus Tasks - Turning One Prompt Into a 5-Slide Market-Entry Briefing

One prompt, one Manus Task, one finished deck. Here’s how AI agents turn raw property listing data into a same-day competitor briefing for agents breaking into a new suburb.

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Buyer Education Hub 27 June 2026 Hannah van Deventer

What Interest Rate Can You Really Expect On Your Home Loan?

Most buyers think their deposit decides their rate. It barely moves the needle. Here's what actually separates a prime-minus-2% client from a prime-plus-2% client, and why debt-free isn't always the advantage you think it is.

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Buyer Education Hub 26 June 2026 Hannah van Deventer

The Zimbabwean Exemption Permit (ZEP) and Home Loan Applications

A history of the permit, its repeated near-cancellations, its current legal status, and why ZEP holders deserve fair access to home finance.

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Buyer Education Hub 26 June 2026 Hannah van Deventer

Buying Your First Home Before 35? FNB’s New Loan Is Worth a Look

If you’re under 35, a few years into your career, owning a home in South Africa can feel like something for “later” - when the deposit is bigger, the salary is higher, life is less expensive. FNB launched a new home loan product at the end of April 2026 that’s designed to bring “later” closer. Here’s what’s on offer and who it’s likely to suit.

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