Prime rate: 10.5% Next rate announcement: 23 July 2026 Transfer duty threshold: R1,210,000 First-time buyer subsidy cap: R22,000
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Posts from 2025

Articles published during this year.

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Property Practitioner Hub 15 December 2025 Hannah van Deventer

How Real Estate Agents Can Get the Most Out of Property Portals

Love them or hate them, property portals like Property24 and Private Property are a necessary part of doing business in real estate. Buyers use them daily to search for homes, compare options, and reach out to agents — which means if you're not making the most of them, you're leaving opportunities on the table.

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Buyer Education Hub 14 December 2025 Hannah van Deventer

When Is a Director Considered “Self-Employed” for a Home Loan Application?

One of the most common points of confusion we see in bond applications is this:

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Buyer Education Hub 10 December 2025 Hannah van Deventer

Breaking Down the Transfer Process When There’s a Home Loan to Register

Buying a property is exciting - but it also comes with a lot of moving parts behind the scenes. When your home loan (bond) is approved, two legal processes run in parallel:

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Property Economy 8 December 2025 Hannah van Deventer

The Property Economy: Insights by Dr Botha (Dec 2025)

After several tough years of low growth, high interest rates, and financial pressure on households, South Africa's economy is finally showing signs of real recovery. The latest GDP figures, a welcome interest rate cut, a stronger rand, and surging performance in key sectors all indicate that the country could be enteri

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Buyer Education Hub 7 December 2025 Hannah van Deventer

Fixed vs Variable Rates: Which Saves You More in the Long Run?

When homebuyers explore their financing options, one question always rises to the top:

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Buyer Education Hub 6 December 2025 Hannah van Deventer

Why SA Home Loans Used JIBAR - and What Changes With ZARONIA in 2026

Most South African homebuyers are familiar with bonds priced off the Repo rate - the benchmark used by traditional banks. But SA Home Loans (SAHL), one of the country's biggest non-bank lenders, historically priced its bonds off JIBAR instead.

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Property Practitioner Hub 26 November 2025 Hannah van Deventer

Why Most Prequalification Certificates Are Useless - And How To Get One That Matters

For many buyers, the first step in house hunting is getting a prequalification certificate. Estate agents love them because they "prove" a buyer can afford a property. Sellers like them because they reduce the risk of wasted time.

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Buyer Education Hub 24 November 2025 Hannah van Deventer

Why It’s Easier to Get a Car Loan Than a Home Loan in South Africa

Understanding the bank's risk, repossession rules, and what this means for homebuyers

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Buyer Education Hub 23 November 2025 Hannah van Deventer

Renovation & Building Loans: What Banks Really Look At Before Approving Your Funding

Planning a major renovation or extension can be one of the most exciting stages of homeownership. Whether you're creating extra space for a growing family, modernising a tired kitchen, or adding a flatlet for rental income, renovations can significantly improve your quality of life and your property's value.

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Property Practitioner Hub 18 November 2025 Hannah van Deventer

Why Buyers Go Silent – And What That Really Means

If you've been in real estate for any amount of time, you've probably experienced it:

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Buyer Education Hub 16 November 2025 Lorian Aldous

Declined for a Home Loan? It’s Not the End - Introducing the "Buyer Readiness Program"

Many South Africans walk out of a bank - or open an email - and feel that horrible sinking feeling:

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Buyer Education Hub 9 November 2025 Hannah van Deventer

When paperwork crosses the line - why a SAFPS fraud listing can wreck your credit for years

At Phoenix Bonds we often help clients clean up, explain and package complicated financial records so lenders can properly assess income from freelancing, commissions, foreign salaries and other non-standard sources. That work is lawful and valuable.

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Agreement Between User And phoenixbonds.finance

The phoenixbonds.finance Web Site is comprised of various Web pages operated by phoenixbonds.finance.

The phoenixbonds.finance Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the phoenixbonds.finance Web Site constitutes your agreement to all such terms, conditions, and notices.

Modification Of These Terms Of Use

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The phoenixbonds.finance Web Site may contain links to other Web Sites ("Linked Sites"). The Linked Sites are not under the control of phoenixbonds.finance and phoenixbonds.finance is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. phoenixbonds.finance is not responsible for webcasting or any other form of transmission received from any Linked Site. phoenixbonds.finance is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by phoenixbonds.finance of the site or any association with its operators.

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Use Of Communication Services

The phoenixbonds.finance Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

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Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. phoenixbonds.finance does not control or endorse the content, messages or information found in any Communication Service and, therefore, phoenixbonds.finance specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized phoenixbonds.finance spokespersons, and their views do not necessarily reflect those of phoenixbonds.finance.

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phoenixbonds.finance does not claim ownership of the materials you provide to phoenixbonds.finance (including feedback and suggestions) or post, upload, input or submit to any phoenixbonds.finance Web Site or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting phoenixbonds.finance, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

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Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE phoenixbonds.finance WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. phoenixbonds.finance AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE phoenixbonds.finance WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE phoenixbonds.finance WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

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Service Contact: info@phoenixbonds.finance

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