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Insights - News Blog

Hannah van Deventer's Articles

Why Your Home Loan Bond Is Registered for More Than Your Loan Amount

Confused why your bond is registered for more than your home loan amount? Learn in simple terms what the “additional amount” on a registered bond means, why banks do it, and why you don’t pay for it.

What South African Banks Must Tell You in a Home Loan Quotation

Home loan quotations in South Africa must disclose more than just the interest rate. Learn what banks are legally required to communicate - from fees and insurance to the total cost of credit - under the National Credit Act.

Buying vs. Renting: Why Owning Property Builds Your Wealth

Thinking about buying instead of renting? Discover why homeownership in South Africa is a powerful wealth-building tool, why rent is “dead money,” and the long-term benefits of investing in property.

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

South Africa’s 105% home loans are unique in the global market. Discover when they started, why they exist, and what they mean for first-time buyers. Learn the pros, cons, and what makes them rare worldwide.

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

Discover how amortisation works on your home loan, why early repayments matter, and how long it takes to reduce your balance from 105% to 100%. Real examples at 10% and 11% interest rates.

Do South African Banks Have BEE Targets for Home Loan Approvals?

Banks in South Africa have BEE reporting requirements for home loans. Learn how this affects approvals and why race is asked on bond applications.

Why Serviceability Matters More Than Collateral in Home Loans

In South Africa, banks focus on income and affordability, not collateral, when approving home loans. Learn why serviceability is key.

Why Your Bank Is Rigid, But Your Mortgage Broker Doesn’t Have to Be

Banks only offer one product and follow rigid lending rules. A mortgage broker, like Phoenix Bonds, can compare multiple banks, negotiate better rates, and tailor your application for flexibility.

Comparing Loan Products in South Africa: Understanding Rates and Risks

Compare home loans, car finance, credit cards, overdrafts, personal loans and payday loans. Learn why mortgages are the lowest risk and lowest rate option in South Africa with Phoenix Bonds.

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

Missed a bond repayment? Learn the consequences of falling behind on your home loan in South Africa — from arrears to repossession and sheriff’s auctions. Discover how Phoenix Bonds can help with prequalification if you need to downsize.

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