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.
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.
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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.
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.
First Home Finance (formerly FLISP) helps South African first-time buyers. Learn who qualifies, how it works, restrictions on the title deed, and why timelines for approval and payout can take months.
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.
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...
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