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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Buying Your First Home? Let's Make It Happen.

Purchasing your first property is exciting, but it can also feel overwhelming. From understanding affordability and hidden costs to comparing bank offers and securing the best interest rate, there are many decisions to make. Our team specialises in helping first-time buyers navigate the process, access available benefits, and secure the most competitive home loan possible.

110% Finance Possible in Select Cases 50% Discount on Registration Fees* R0 Cost for our services 9+ Banks Compared
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Service Overview

Your First Property Purchase Starts Here

The biggest challenge for most first-time buyers isn't qualifying for a home loan. It's understanding the process.

Many first-time buyers underestimate how much they can borrow, overestimate the deposit required, or simply don't know where to start. The reality is that banks actively compete for first-time buyer business and often provide benefits that are not available to other applicants.

Whether you're looking to buy with no deposit, include costs in your loan, secure a discounted registration fee package, or simply understand what you can afford, our team is here to guide you every step of the way.

From pre-qualification through to registration, we help remove uncertainty, explain the process in plain language, and ensure you're making informed decisions throughout your property journey.

Benefits

Why First-Time Buyers Choose Phoenix Bonds

First-time buyers often qualify for benefits and lending incentives that can make homeownership more accessible than they realise.

01

Up To 110% Finance Available

Many first-time buyers are surprised to learn that some lenders may offer finance above the purchase price. In qualifying cases, this can help cover a portion of transfer and registration costs, reducing the upfront cash required.

02

Reduced Registration Costs

Many attorneys and lenders offer discounted registration fees for qualifying first-time buyers, helping reduce the overall cost of purchasing a property.

03

Preferential Pricing for Primary Residences

Banks generally view owner-occupied properties more favourably than investment properties. This often results in better interest rates and more competitive lending terms for first-time buyers purchasing a primary residence.

How It Works

A Simple Three-Step Process

Our team guides you through every step of the home buying journey.

01

Step 1: Prequalification

We assess your affordability, explain your budget, identify any potential obstacles, and help you understand what you can realistically afford.

02

Step 2: Find Your Home & Apply

Once you've found the right property, we prepare your application, submit to multiple lenders, and ensure your profile is presented in the strongest possible light.

03

Step 3: Choose Your Best Offer

We compare the available offers, negotiate where possible, and help you select the most suitable home loan based on interest rate, costs, and overall value.

FAQs

Everything you need to know before you apply.

Clear answers to the questions most first-time home buyers ask before starting the process.

Do I need a deposit to buy my first home?

Not always. Many first-time buyers qualify for 100% finance, and some may qualify for additional funding towards costs.

Can I include transfer and registration costs in my loan?

Mostly, yes. Certain lenders may offer funding above the purchase price for qualifying applicants.

What is the biggest mistake first-time buyers make?

Starting their property search before understanding affordability. A prequalification provides clarity and confidence before you begin viewing properties.

How much can I afford?

This depends on your income, expenses, credit profile, and existing debt commitments. A prequalification will provide a realistic affordability assessment

Should I buy before I save a large deposit?

Many buyers are surprised to discover they qualify sooner than expected. A pre-qualification can help determine whether waiting is actually necessary.

Can I get a better interest rate as a first-time buyer?

Often yes. Banks actively compete for first-time buyer business and may offer preferential pricing on qualifying applications.

What hidden costs should I budget for?

Transfer duty (where applicable), transfer attorney fees, bond registration fees, insurance, and moving costs are all worth considering.

Do estate agents prefer prequalified buyers?

Absolutely. Prequalified buyers are often viewed as more serious and more likely to secure finance approval.

What happens if I don't qualify yet?

hat's exactly why we encourage early engagement. The sooner we identify any obstacles, the more time we have to help improve your position.

What is the Buyer Readiness Program (BRP)?

A specific service Phoenix Bonds offers for home buyers who do not qualify yet or were previously declined. Our dedicated consultant will work with you over time, offering advice along the way on how to get ready in the shortest amount of time possible. We have worked with some buyers for 12+ months before they end up finally purchasing a home.

GET STARTED

Free Home Loan Assessment

Not sure where to begin? Speak to a Phoenix Bonds consultant for a free assessment of your affordability, borrowing capacity, and home loan options.

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