Prime rate: 10.5% Next rate announcement: 23 July 2026 Transfer duty threshold: R1,210,000 First-time buyer subsidy cap: R22,000
Phoenix Bonds
Menu
Buyer Education Hub

Home Loan & Property Education Hub

Practical articles for buyers, homeowners, self-employed applicants, companies and trusts applying for home loans and anyone else interested in buying property.

Filters Buyer Education Hub 13 articles
Category
All posts Buyer Education Hub Property Practitioner Hub Property Economy Developments
Archive
Tags
"business owners"] 1 "Self-employed" 1 ["Home Loan" 1
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.

Read article ->
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

Read article ->
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.

Read article ->
Buyer Education Hub 21 February 2026 Hannah van Deventer

Buying Property in Your Name vs a Company vs a Trust

Should you buy property in your own name, through a company, or via a trust? Understand the home loan requirements, tax and capital gains tax implications, lending risk, interest rate differences, FTHB benefits, and legal considerations before signing your Offer to Purchase.

Read article ->
Buyer Education Hub 4 February 2026 Hannah van Deventer

How Equity Builds in Your Home Over 20 Years (And Why It’s So Powerful)

One of the most overlooked benefits of owning property is equity – the portion of your home that you truly own. Equity is created in two ways: every month when you reduce your bond balance, and every year when your property increases in value. Over time, this combination becomes one of the most powerful wealth-building

Read article ->
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:

Read article ->
Buyer Education Hub 2 November 2025 Hannah van Deventer

The Three Levels of Default – and How They Affect Your Home Loan

When it comes to your credit profile, not all defaults are created equal.

Read article ->
Buyer Education Hub 4 October 2025 Hannah van Deventer

Why Your Home Loan Bond Is Registered for More Than Your Loan Amount

If you've recently received a home loan approval, you may have noticed something confusing:

Read article ->
Buyer Education Hub 4 October 2025 Hannah van Deventer

What South African Banks Must Tell You in a Home Loan Quotation

When you apply for a home loan, your bank is legally required to provide you with a quotation that lays out all the important details of your loan. This isn't just about your interest rate - there's a lot more that needs to be communicated so that you can make an informed decision.

Read article ->
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

Read article ->
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.

Read article ->

Website Privacy Policy

phoenixbonds.finance is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the phoenixbonds.finance site and governs data collection and usage. By using the phoenixbonds.finance site, you consent to the data practices described in this statement.

Collection of your Personal Information

phoenixbonds.finance collects personally identifiable information, such as your email address, name, home or work address or telephone number. phoenixbonds.finance also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by phoenixbonds.finance. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by phoenixbonds.finance for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the phoenixbonds.finance site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through phoenixbonds.finance public message boards, this information may be collected and used by others. Note: phoenixbonds.finance does not read any of your private online communications.

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.

Use of your Personal Information

phoenixbonds.finance collects and uses your personal information to operate the phoenixbonds.finance Web site and deliver the services you have requested. phoenixbonds.finance also uses your personally identifiable information to inform you of other products or services available from phoenixbonds.finance and its affiliates. phoenixbonds.finance may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

phoenixbonds.finance does not sell, rent or lease its customer lists to third parties. phoenixbonds.finance may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, phoenixbonds.finance may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to phoenixbonds.finance, and they are required to maintain the confidentiality of your information.

phoenixbonds.finance does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

phoenixbonds.finance keeps track of the Web sites and pages our customers visit within phoenixbonds.finance, in order to determine what phoenixbonds.finance services are the most popular. This data is used to deliver customized content and advertising within phoenixbonds.finance to customers whose behavior indicates that they are interested in a particular subject area.

phoenixbonds.finance Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on phoenixbonds.finance or the site; (b) protect and defend the rights or property of phoenixbonds.finance; and, (c) act under exigent circumstances to protect the personal safety of users of phoenixbonds.finance, or the public.

Use of Cookies

The phoenixbonds.finance Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize phoenixbonds.finance pages, or register with phoenixbonds.finance site or services, a cookie helps phoenixbonds.finance to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same phoenixbonds.finance Web site, the information you previously provided can be retrieved, so you can easily use the phoenixbonds.finance features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the phoenixbonds.finance services or Web sites you visit.

Security of your Personal Information

phoenixbonds.finance secures your personal information from unauthorized access, use or disclosure. phoenixbonds.finance secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

phoenixbonds.finance will occasionally update this Statement of Privacy to reflect company and customer feedback. phoenixbonds.finance encourages you to periodically review this Statement to be informed of how phoenixbonds.finance is protecting your information.

Contact Information

phoenixbonds.finance welcomes your comments regarding this Statement of Privacy. If you believe that phoenixbonds.finance has not adhered to this Statement, please contact phoenixbonds.finance at info@phoenixbonds.finance. We will use commercially reasonable efforts to promptly determine and remedy the problem.

Website Terms of Use

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

phoenixbonds.finance reserves the right to change the terms, conditions, and notices under which the phoenixbonds.finance Web Site is offered, including but not limited to the charges associated with the use of the phoenixbonds.finance Web Site.

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.

No Unlawful Or Prohibited Use

As a condition of your use of the phoenixbonds.finance Web Site, you warrant to phoenixbonds.finance that you will not use the phoenixbonds.finance Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the phoenixbonds.finance Web Site in any manner which could damage, disable, overburden, or impair the phoenixbonds.finance Web Site or interfere with any other party's use and enjoyment of the phoenixbonds.finance Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the phoenixbonds.finance Web Sites.

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:

  • Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
  • Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
  • Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
  • Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
  • Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
  • Conduct or forward surveys, contests, pyramid schemes or chain letters.
  • Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
  • Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
  • Restrict or inhibit any other user from using and enjoying the Communication Services.
  • Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
  • Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
  • Violate any applicable laws or regulations.

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.

phoenixbonds.finance reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in phoenixbonds.finance's sole discretion.

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.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

MATERIALS PROVIDED TO phoenixbonds.finance OR POSTED AT ANY phoenixbonds.finance WEB SITE

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.

No compensation will be paid with respect to the use of your Submission, as provided herein. phoenixbonds.finance is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in phoenixbonds.finance's sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

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.

phoenixbonds.finance AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE phoenixbonds.finance WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. phoenixbonds.finance AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL phoenixbonds.finance AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE phoenixbonds.finance WEB SITE, WITH THE DELAY OR INABILITY TO USE THE phoenixbonds.finance WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE phoenixbonds.finance WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE phoenixbonds.finance WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF phoenixbonds.finance OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE phoenixbonds.finance WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE phoenixbonds.finance WEB SITE.

Service Contact: info@phoenixbonds.finance

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.

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.