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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Buyer Education Hub 3 October 2025 Hannah van Deventer

Why Serviceability Matters More Than Collateral in Home Loans

When speaking to buyers, one of the most common misconceptions we hear at Phoenix Bonds is:

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Property Practitioner Hub 2 October 2025 Hannah van Deventer

When Is the Bond Clause in a Sale Agreement Actually Met?

For both buyers and sellers, clarity on the fulfilment of the bond (financing) suspensive clause is crucial. Under South African law, and in particular the National Credit Act, knowing whether "grant of bond" or "acceptance by the purchaser" triggers fulfilment can determine whether a sale proceeds - or can be lawfully

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Buyer Education Hub 30 September 2025 Hannah van Deventer

Why Your Bank Is Rigid, But Your Mortgage Broker Doesn’t Have to Be

When applying for a home loan, many buyers assume that the bank they already use for their everyday banking will automatically be the best choice. After all, the bank knows your salary, your spending habits, and your history. But the reality is that banks are rigid in how they assess affordability, risk, and pricing. A

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Buyer Education Hub 30 September 2025 Hannah van Deventer

Comparing Loan Products in South Africa: Understanding Rates and Risks

South Africans have access to a wide variety of credit products, each designed for different purposes and each carrying its own cost and level of risk. While credit cards and personal loans may provide quick access to funds, they are usually far more expensive than structured, secured lending such as a home loan. It is

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Buyer Education Hub 29 September 2025 Hannah van Deventer

What Happens If You Miss a Home Loan Repayment in South Africa?

Buying a home is often the biggest financial commitment you'll ever make. But life can be unpredictable — retrenchment, illness, or unexpected expenses can suddenly make it difficult to keep up with monthly bond repayments. Missing a payment doesn't mean you'll automatically lose your home. What matters most is how qui

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Buyer Education Hub 29 September 2025 Hannah van Deventer

First Home Finance (FLISP): What Every First-Time Buyer Should Know

For many South Africans, the dream of owning a first home feels just out of reach. To help bridge the gap, government introduced First Home Finance (formerly known as FLISP) - a subsidy designed to support qualifying first-time buyers.

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Buyer Education Hub 20 September 2025 Hannah van Deventer

The Biggest Missed Opportunity in Home Loans: Future Rental Income

When it comes to applying for a home loan, most buyers are told the same thing: your affordability is based on your current income, debt, and expenses. But there's a powerful lever that often gets ignored by agents, originators, and even the banks themselves: future rental income.

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Buyer Education Hub 20 September 2025 Hannah van Deventer

The Hidden Fees of Home Loans: Where Banks Really Make Their Money

When you apply for a home loan, your focus is almost always on one thing: the interest rate. But there may be other costs we don't think about.

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Buyer Education Hub 20 September 2025 Hannah van Deventer

Why Foreigners Are Treated Like Second-Class Buyers in South Africa

Buying property in South Africa is a dream for many foreigners. From luxury apartments in Cape Town's Atlantic Seaboard to family homes in Sandton or Umhlanga, our property market offers opportunities that are attractive when compared to international prices.

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Property Practitioner Hub 18 September 2025 Hannah van Deventer

How to Use Portal Data to Win More Listings

When it comes to winning a seller's mandate, the way you present data can make or break your pitch. Many agents fall into the trap of relying on outdated sales data - comparing what sold six months ago. But the market moves quickly, and sellers want to know what's happening now.

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Property Economy 10 September 2025 Hannah van Deventer

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

Buying a home or investing in property can feel overwhelming when every headline talks about inflation, interest rates, and global uncertainty. That's why we turn to the experts. Dr. Roelof Botha, one of South Africa's most respected economists, has shared his insights into the latest trends shaping household finances,

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Buyer Education Hub 3 September 2025 Hannah van Deventer

How the Repo Rate Influences Prime – And Where Banks Really Get Their Money to Lend

When the South African Reserve Bank (SARB) announces changes to the repo rate, the media goes into overdrive: "Interest rates hiked!" or "Rate cuts bring relief!" But what does this really mean for your home loan - and do banks really borrow money from SARB before lending it to you?

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Changes to this Statement

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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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Links To Third Party Sites

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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phoenixbonds.finance has no obligation to monitor the Communication Services. However, phoenixbonds.finance reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. phoenixbonds.finance reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

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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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Termination/Access Restriction

phoenixbonds.finance reserves the right, in its sole discretion, to terminate your access to the phoenixbonds.finance Web Site and the related services or any portion thereof at any time, without notice. GENERAL To the maximum extent permitted by law, this agreement is governed by the laws of the Republic of South Africa. and you hereby consent to the exclusive jurisdiction and venue of courts in Sandton in the Republic of South Africa in all disputes arising out of or relating to the use of the phoenixbonds.finance Web Site. Use of the phoenixbonds.finance Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and phoenixbonds.finance as a result of this agreement or use of the phoenixbonds.finance Web Site. phoenixbonds.finance's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of phoenixbonds.finance's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the phoenixbonds.finance Web Site or information provided to or gathered by phoenixbonds.finance with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and phoenixbonds.finance with respect to the phoenixbonds.finance Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and phoenixbonds.finance with respect to the phoenixbonds.finance Web Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.

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Trademarks

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

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