We are pleased to present below all posts archived in 'September 2025'. If you still can't find what you are looking for, try using the search box.
Not all prequalification certificates are equal. Learn why most are useless, how banks calculate affordability using Debt Service Ratio and assets, and how Phoenix Bonds gives you a strategy, not just a number.
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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.
Are foreign buyers treated unfairly in South Africa’s property market? Discover the truth about the 50% deposit rule, banking bias, and how Phoenix Bonds helps international buyers secure home loans.
South Africans are starting to feel a little financial relief. The latest Household Resilience Index shows families are stronger than before, while booming exports and record trade surpluses are boosting the economy. In his monthly update for Phoenix Bonds, economist Dr. Roelof Botha explains what this means for interest rates, affordability, and your property journey.
When the South African Reserve Bank (SARB) announces changes to the repo rate, the media goes into overdrive: “Interest rates hiked!” or “Rate cuts bring relief!” But what does this really mean for your home loan - and do banks really borrow money from SARB before lending it to you? Let’s break it down...
When shopping for a home loan, most buyers hope to “negotiate the best rate” — and rightly so. Even a small discount on your interest rate can save you hundreds of thousands of rand over the life of your bond. But how do banks actually decide what rate to offer, and why are there limits to how low they can go? Let’s unpack the reality.
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