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

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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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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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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.

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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

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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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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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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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