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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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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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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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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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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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Do South African Banks Have BEE Targets for Home Loan Approvals?

One question that often comes up with buyers is whether banks in South Africa have BEE (Broad-Based Black Economic Empowerment) targets when it comes to granting home loans. The short answer is: yes, but not in the way many people think.

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Pre-Approval, Prequalification & Approval in Principle: What’s the Real Difference?

In property transactions, few things cause more confusion - or more failed deals - than financing terminology.

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How Real Estate Agents Can Get the Most Out of Property Portals

Love them or hate them, property portals like Property24 and Private Property are a necessary part of doing business in real estate. Buyers use them daily to search for homes, compare options, and reach out to agents — which means if you're not making the most of them, you're leaving opportunities on the table.

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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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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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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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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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