Home Loan Guides
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2026-05-21
Complexes vs Estates in South Africa: What First-Time Buyers Need to Know
Sectional title complexes and security estates are the most popular choice for first-time buyers in South Africa. Here's what they cost, what to watch for, and how to choose wisely.
2026-05-21
What Income Do You Need to Qualify for a Home Loan in South Africa?
South African banks use a strict affordability test. Here's exactly how much income you need to qualify for different bond amounts — and how to calculate your own number.
2026-05-21
How to Improve Your Credit Score Before Applying for a Bond
Your credit score determines your interest rate — and your interest rate determines how much you pay over 20 years. Here's a practical step-by-step guide for South Africans.
2026-05-21
What is a Bond Originator and Do You Need One?
A bond originator submits your home loan application to multiple South African banks at once — for free. Here's how they work and whether you should use one.
2026-05-21
FLISP Explained: The First-Time Buyer Subsidy Most South Africans Don't Know About
FLISP is a government subsidy of up to R121,626 for first-time home buyers earning R3,501–R22,000 per month. Here's how to qualify and apply.