Home Loan Guides
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2026-06-06
To Fix or Not to Fix? Navigating Your Home Loan Interest Rate in South Africa
Fixed vs variable home loan rates in South Africa: the pros, the cons, and how to decide. Fixing buys budgeting certainty but costs a premium and caps at 60 months.
2026-05-30
SARB Hikes Prime Rate to 10.50%: What It Means for Your Home Loan
The SARB raised the repo rate by 25bps to 7.00% on 29 May 2026, pushing prime to 10.50%. Here's exactly how much more you'll pay — and what to do about it.
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.