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 September 2025 Hannah van Deventer

Understanding Home Loan Interest Rates in South Africa – And How Low You Can Go

When shopping for a home loan, most buyers hope to "negotiate the best rate" — and rightly so. Even a small discount on your interest rate can save you hundreds of thousands of rand over the life of your bond. But how do banks actually decide what rate to offer, and why are there limits to how low they can go? Let's un

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Buyer Education Hub 31 August 2025 Hannah van Deventer

Identity Fraud in South Africa: Why You Should Check Your Credit Before Buying a Home

Identity fraud is a growing problem in South Africa, and unfortunately many people only discover it when it's already caused serious damage. At Phoenix Bonds, we've seen cases where clients only realise something is wrong when they apply for a home loan and the bank pulls their credit report.

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Property Practitioner Hub 29 August 2025 Hannah van Deventer

How to Talk to Buyers About Using a Bond Originator

As an estate agent, you're often the first person a buyer turns to when making one of the biggest financial decisions of their life. And while buyers may feel confident approaching their own bank directly, or even another bond originator, part of your role is helping them make the smartest choice.

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Buyer Education Hub 27 August 2025 Hannah van Deventer

Why Relationship Banking No Longer Exists in South Africa

Not too long ago, many South Africans had a "bank manager" they knew by name. You could walk into a branch, sit down with someone who understood your history, and negotiate based on loyalty, trust, and the length of your relationship with the bank. That era is gone.

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Property Economy 1 August 2025 Hannah van Deventer

SARB’s new inflation target and its potential effects on the SA economy

On July 31, 2025, the SARB cut its key policy (repo) rate by 25 basis points to 7%, also marking a shift in its inflation target preference. Going forward, the bank will aim for the bottom of its inflation band (3%–6%), effectively pushing for a 3% target rather than the mid-point of 4.5%.

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phoenixbonds.finance encourages you to review the privacy statements of Web sites you choose to link to from phoenixbonds.finance so that you can understand how those Web sites collect, use and share your information. phoenixbonds.finance is not responsible for the privacy statements or other content on Web sites outside of the phoenixbonds.finance and phoenixbonds.finance family of Web sites.

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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.

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Service Contact: info@phoenixbonds.finance

Termination/Access Restriction

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Copyright And Trademark Notices

All contents of the phoenixbonds.finance Web Site are: Copyright 2019 by phoenixbonds.finance and/or its suppliers. All rights reserved.

Trademarks

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

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.