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 2026

Articles published during this year.

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Property Practitioner Hub 24 June 2026 Hannah van Deventer

What Is Task-Driven AI - And Why It’s the Only Kind That Actually Works for Estate Agents

Most agents try ChatGPT once and get mediocre results. Here’s why chatting with AI fails agents - and how task-driven AI, with the right prompts, actually delivers.

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Buyer Education Hub 20 June 2026 Hannah van Deventer

Where to Buy (and Where Not to Buy) Property in Johannesburg for Capital Growth

A straight-talking guide for buyers and investors, particularly foreign investors who have never lived in South Africa.

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Property Economy 16 May 2026 Hannah van Deventer

The Property Economy (May 2026): What the Latest Economic Data Means for Your Home Loan

Analysis by Dr Roelof Botha | Commentary by Phoenix Bonds

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Buyer Education Hub 15 May 2026 Hannah van Deventer

First Home Finance: A Good Idea That Doesn’t Always Land on Time

First Home Finance - previously known as FLISP (the Finance Linked Individual Subsidy Programme) - is a government subsidy administered by the National Housing Finance Corporation (NHFC) on behalf of the Department of Human Settlements. It is a once-off subsidy aimed at first-time buyers whose household income falls in

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Property Practitioner Hub 27 April 2026 Hannah van Deventer

Mortgage Origination Referrals: Getting Section 58 Right (Without Overcomplicating It)

There's been a bit of noise lately around compliance, especially after the recent communications from the Property Practitioners Regulatory Authority (PPRA) and the Legal Practice Council (LPC). Most of that focus has been on conveyancing relationships… but it naturally spills over into how we handle mortgage or

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Buyer Education Hub 16 April 2026 Hannah van Deventer

Why Your Home Loan Was Declined Before Anyone Even Saw It

Not every home loan decline is the result of a credit manager saying no. Many applications fail at the system level due to scorecard triggers, missing information, affordability issues, or simple administrative errors. Proper preparation, quality control, and an understanding of how bank assessment systems work can often mean the difference between an automatic decline and a successful approval.

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Buyer Education Hub 12 April 2026 Hannah van Deventer

Your Bank Has a Conflict of Interest When You Apply for a Home Loan Directly - And They Don’t Have to Tell You

South Africa's home loan market is built on a quiet imbalance. When you walk into your bank and ask for a bond, you are asking a salesperson whether you should buy their product. Nobody is required to tell you that.

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Buyer Education Hub 29 March 2026 Hannah van Deventer

Prequalified? Here’s What You Must Check Before Signing an Offer

Congratulations - getting prequalified is a big milestone in your property journey. It means you've taken the first real step toward owning your home. But here's something many buyers don't realise:

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Property Economy 11 March 2026 Hannah van Deventer

The Property Economy: Insights by Dr Botha (Mar 2026)

Business confidence in South Africa is improving. Dr Roelof Botha explores what rising sentiment, the 2026 budget, and rand movements mean for the property market.

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Buyer Education Hub 6 March 2026 Hannah van Deventer

The R400 Death Sentence: How a Fake Bank Statement Can Destroy Your Financial Future

In the darker corners of social media and messaging apps, a quiet but dangerous market has emerged. For as little as R400, someone will offer to "fix" your bank statements so you can qualify for credit, vehicle finance, or even a home loan.

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Buyer Education Hub 25 February 2026 Hannah van Deventer

How Your Property Affects Your Taxes (South Africa)

Most people buy property for security, stability, or investment. But what many South Africans don't realise is this: Your home is also a tax structure .

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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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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 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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