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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 Practitioner Hub 7 October 2025 Hannah van Deventer

Why Every Real Estate Professional Needs a CRM

The real estate industry is built on relationships, timing, and trust. But as your business grows, keeping track of leads, clients, and follow-ups becomes overwhelming. Sticky notes, WhatsApp messages, and spreadsheets can only take you so far. That's where a CRM (Customer Relationship Management system) changes the ga

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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:

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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.

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Buyer Education Hub 4 October 2025 Hannah van Deventer

Buying vs. Renting: Why Owning Property Builds Your Wealth

For many South Africans, the decision between renting and buying is one of the biggest financial choices they'll ever make. While renting can feel more flexible in the short term, buying a property is almost always the stronger long-term wealth-building strategy. Here's why.

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Buyer Education Hub 4 October 2025 Hannah van Deventer

South Africa’s 105% Mortgages: Why They’re Unique

If you've spent any time looking into property finance, you may have heard of South Africa's 105% home loans. They're a feature that often surprises foreign buyers because they're extremely rare internationally.

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Buyer Education Hub 4 October 2025 Hannah van Deventer

How Long Does It Take to Get Your Home Loan Balance Down?

When you take out a home loan, most people assume that every monthly payment chips away steadily at their debt. The truth is a little more complicated - especially in the early years of your bond.

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Buyer Education Hub 3 October 2025 Hannah van Deventer

Why Serviceability Matters More Than Collateral in Home Loans

When speaking to buyers, one of the most common misconceptions we hear at Phoenix Bonds is:

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Property Practitioner Hub 2 October 2025 Hannah van Deventer

When Is the Bond Clause in a Sale Agreement Actually Met?

For both buyers and sellers, clarity on the fulfilment of the bond (financing) suspensive clause is crucial. Under South African law, and in particular the National Credit Act, knowing whether "grant of bond" or "acceptance by the purchaser" triggers fulfilment can determine whether a sale proceeds - or can be lawfully

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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

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Buyer Education Hub 30 September 2025 Hannah van Deventer

Comparing Loan Products in South Africa: Understanding Rates and Risks

South Africans have access to a wide variety of credit products, each designed for different purposes and each carrying its own cost and level of risk. While credit cards and personal loans may provide quick access to funds, they are usually far more expensive than structured, secured lending such as a home loan. It is

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Buyer Education Hub 29 September 2025 Hannah van Deventer

What Happens If You Miss a Home Loan Repayment in South Africa?

Buying a home is often the biggest financial commitment you'll ever make. But life can be unpredictable — retrenchment, illness, or unexpected expenses can suddenly make it difficult to keep up with monthly bond repayments. Missing a payment doesn't mean you'll automatically lose your home. What matters most is how qui

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