Home Loans
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.
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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% 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.
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.
Banks in South Africa have BEE reporting requirements for home loans. Learn how this affects approvals and why race is asked on bond applications.
In South Africa, banks focus on income and affordability, not collateral, when approving home loans. Learn why serviceability is key.
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.
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.
Future rental income is one of the most overlooked factors in home loan applications. Learn how South African banks assess it, why it must be a full property, and how Phoenix Bonds uses it to boost affordability.
Think your home loan savings come from a lower interest rate? Think again. Banks cash in on hidden fees and overpriced building insurance. Phoenix Bonds shows you how to cut costs.
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