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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Property Economy and Real Estate Market Trends | Dr Roelof Botha

Practical articles for buyers, homeowners, self-employed applicants, estate agents, and property professionals.

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Property Economy 7 July 2026 Hannah van Deventer

What the Latest Household Finance Data Actually Means for Your Bond (July 2026)

Interest rates are easing and household finances are recovering, but what does that actually mean if you have a bond, or want one? We break down the latest data in plain English, and what it means for property buyers and bondholders this July.

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Property Economy 24 June 2026 Hannah van Deventer

The Property Economy: What the Latest Economic Data Means for SA Property Buyers (June 2025)

SA's prime rate just rose to 10.5%, but Fitch and Moody’s upgraded the country’s credit rating. Here’s what both mean for home buyers and estate agents.

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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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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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Property Economy 12 February 2026 Hannah van Deventer

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

South Africa’s economy is stabilising and buyers still have the advantage. See what it means for home loans and why now is a smart time to buy.

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Property Economy 21 January 2026 Hannah van Deventer

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

South Africa’s strong rand, record trade surplus and rising private investment are improving rate cut chances and supporting the 2026 property market.

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Property Economy 8 December 2025 Hannah van Deventer

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

After several tough years of low growth, high interest rates, and financial pressure on households, South Africa's economy is finally showing signs of real recovery. The latest GDP figures, a welcome interest rate cut, a stronger rand, and surging performance in key sectors all indicate that the country could be enteri

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Property Economy 8 November 2025 Hannah van Deventer

South Africa Officially Off the Grey List - What It Means for Homebuyers and Investors

It's official - South Africa has been removed from the Financial Action Task Force (FATF) grey list, marking a major turnaround for the country's financial reputation.

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Property Economy 12 October 2025 Hannah van Deventer

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

After months of economic uncertainty, South Africa's property market is finally showing signs of momentum again. Falling construction costs, stronger buyer demand, and a rallying rand are helping to restore confidence in the residential sector. While high interest rates remain a drag on affordability, the latest indica

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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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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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