Home loan guides
What to know before you apply, written plainly and checked against the banks' and government's own pages.
Documents you need for a home loan
The documents South African banks ask for with a home loan application: ID, payslips, bank statements and more, for employed and self-employed.
Buying your first home: a step-by-step guide
How first-time buyers get a home loan in South Africa: how much to save, 100%+ bonds, the First Home Finance subsidy, and each step to the keys.
First Home Finance (FLISP): the subsidy for first homes
First Home Finance, formerly FLISP: a once-off subsidy of R38,911 to R169,265 for first-time buyers earning R3,501 to R22,000 a month.
What a bond originator does, and why it's free
A bond originator applies to several banks for your home loan at once. How they work, how they're paid, and what to watch for.
How banks decide on your home loan
What South African banks check before approving a home loan: affordability, credit record, income type and the property. And how to improve your chances.
100% home loans: which banks lend without a deposit
Which South African lenders give 100% home loans, and which go to 109% or 110% for first-time buyers to cover the costs. With sources.
Getting a home loan when you're self-employed
How self-employed people get a home loan in South Africa: the documents banks want, how they read your income, and how to prepare.
Switching your bond to another bank
When moving your bond to another bank is worth it, what it costs, and the notice your current bank needs. South African home loans.