Home loan pre-approval: your first step to buying a home

Understanding property costs beyond the purchase price

Property Brief – April 2026

Semigration trends shift from lifestyle choices to strategic property decisions

BetterBond partners with GrootFM

Positive news: BetterBond partners with Good Things Guy

Property Brief – March 2026

Ten things bond originators wished you knew before applying for a home loan

How alternative credit data is helping more South Africans buy homes

Property Brief – February 2026

International buyers fuel South Africa’s property momentum

Bond origination for first-time homebuyers: what you need to know

South Africa repo rate unchanged, but housing market momentum continues

What a first-time homebuyer should know before signing an offer to purchase

Top trends redefining homeownership in 2026

Property Brief – January 2026

Property Brief – December 2025

SA’s property market in brief – reflecting on a year of resurgence

A simple guide for the first-time homebuyer

Estate living: South Africa’s fastest-growing property trend explained

How to choose the best bond originator for your home loan

Property Brief – November 2025

Sectional title sales surge

Joint and several home loans: how to buy property together without complications

Property Brief – October 2025

Navigating the home loans process as a single buyer

Limpopo home loans: why SA’s Great North is red-hot

BetterBond celebrates 25 years of making home dreams possible

Second home finance in South Africa: everything you need to know

Home loan activity in South Africa gains momentum

What the unchanged SA prime interest rate means for homebuyers

Property Brief – September 2025

Rent to buy versus rent to own: what’s the difference?

From woofs to walls: finding a pet-friendly property

BetterBond Private Clients – property finance designed around your lifestyle

Paradise beyond Plett – the allure of the KZN North Coast property market

Refinancing your home loan? Keep an eye on the prime interest rate

Pretoria property trends: SA’s new property hotspot

Property Brief – August 2025

When less is more – why more South Africans are opting to downsize their homes

Your guide to the homebuying process in South Africa

The prime lending rate sees a 25-basis point cut

Understanding prime rate versus home loan interest rate

Buying a home is a good idea at any life stage

Property investment 101 

Top mistakes to avoid when applying for a home loan

Property Brief – July 2025

Goodbye lease, hello legacy: the benefits of homeownership

Understanding the home loan application process

Turn your property into an income-generating home

Unexpected ways to boost your home loan approval chances

Don’t let deeds office delays derail your homebuying journey

Know what you can afford with our bond repayment calculator

Property Brief – June 2025

Understanding the prime rate: what it means for you

Six ways young professionals can get ahead in property investment

What homeowners need to know about asbestos risks

Youth and women buyers to benefit from higher transfer duty threshold

How to get a home loan without a payslip

Luxury house prices soar as demand surpasses supply

Property Brief – May 2025

Top tips for a stress-free cross-country move

Property Brief – April 2025

Important questions to ask before you buy that dream home

Why you should love your BetterBond bond originator

Dos and don’ts that will help your bond application get the green light

Property Brief – March 2025

Marriage and a bond – ask these important questions before making an offer

Five ways your bond can provide financial peace of mind

Popular inland hotspots where you will want to live

Keep your home in top shape – it’s your biggest investment

Things to look out for when viewing a home you love

Book that holiday and buy a new home

Make 2025 your best year with these financial resolutions

Tips on navigating a buyer’s market as a seller

Property Brief – February 2025

Enhancing your home’s curb side appeal can immediately improve its value

Eight tips to navigate a seller’s market as a homebuyer

Property Brief – January 2025

Lower interest rates mean greater demand for homes – but is there enough to go around?

Access bonds: a guide for South African homebuyers

Understanding a buyer’s market and a seller’s market

Humorous real estate stories, and lessons learned

2024 – the year of cautious optimism

Things you may not have known about bond origination

Property Brief – December 2024

Looking ahead at the property market in 2025

House flipping tips for newbies

Understanding the basics of the offer to purchase

A home for all seasons

Record-high house prices on the cards 

Building wealth through home equity

Property Brief – November 2024

Five property trends gaining momentum in 2024

Gauteng tops the list for first-time buyers

Five things you need to know about home loans

Buy now, rent out and benefit later

Is South Africa on the cusp of its next housing boom?

How to avoid defaulting on your new home

First-time buyers drive SA’s township property boom

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<h1 class="wp-block-heading has-text-align-center centerAlignMobile has-headingtext-color has-text-color" style="margin-bottom:90px">Frequently asked questions</h1>


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<h1 class="wp-block-heading has-text-align-center centerAlignMobile has-headingtext-color has-text-color" style="margin-bottom:90px">Frequently asked questions</h1>

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<p class="has-text-align-center has-headingtext-color has-text-color has-x-large-font-size" style="margin-bottom:50px">We work with all the leading banks</p>



<div class="wp-block-columns is-not-stacked-on-mobile alignCenterColumns leadingBanksBlocks is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex">
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<figure class="wp-block-image size-full"><img src="https://static.wp.betterbond.co.za/wp-content/uploads/ABSA-home-loan.png" alt="ABSA home loan" class="wp-image-8612" title=""/></figure>
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<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow" style="padding-right:10px">
<figure class="wp-block-image size-full"><img src="https://static.wp.betterbond.co.za/wp-content/uploads/FNB-home-loan.png" alt="FNB home loan" class="wp-image-8611"/></figure>
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<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow" style="padding-right:10px">
<figure class="wp-block-image size-full"><img src="https://static.wp.betterbond.co.za/wp-content/uploads/Investec-home-loan.png" alt="Investec home loan" class="wp-image-8610"/></figure>
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<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow" style="padding-right:10px">
<figure class="wp-block-image size-full"><img src="https://static.wp.betterbond.co.za/wp-content/uploads/Nedbank-home-loan.png" alt="Nedbank home loan" class="wp-image-8609"/></figure>
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<figure class="wp-block-image size-full"><img src="https://static.wp.betterbond.co.za/wp-content/uploads/RMB-home-loan.png" alt="RMB home loan" class="wp-image-8608"/></figure>
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<figure class="wp-block-image size-full"><img src="https://static.wp.betterbond.co.za/wp-content/uploads/Sentinal-Homes-home-loan.png" alt="Sentinel home loan" class="wp-image-8607"/></figure>
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<figure class="wp-block-image size-full"><img src="https://static.wp.betterbond.co.za/wp-content/uploads/Standard-Bank-home-loan.png" alt="Standard Bank home loan" class="wp-image-8606"/></figure>
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<p class="has-text-align-center has-headingtext-color has-text-color has-x-large-font-size" style="margin-bottom:50px">We work with all the leading banks</p>



<div class="wp-block-columns is-not-stacked-on-mobile alignCenterColumns leadingBanksBlocks is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex">
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<figure class="wp-block-image size-full"><img src="https://static.wp.betterbond.co.za/wp-content/uploads/ABSA-home-loan.png" alt="ABSA home loan" class="wp-image-8612" title=""/></figure>
</div>



<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow" style="padding-right:10px">
<figure class="wp-block-image size-full"><img src="https://static.wp.betterbond.co.za/wp-content/uploads/FNB-home-loan.png" alt="FNB home loan" class="wp-image-8611"/></figure>
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<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow" style="padding-right:10px">
<figure class="wp-block-image size-full"><img src="https://static.wp.betterbond.co.za/wp-content/uploads/Investec-home-loan.png" alt="Investec home loan" class="wp-image-8610"/></figure>
</div>



<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow" style="padding-right:10px">
<figure class="wp-block-image size-full"><img src="https://static.wp.betterbond.co.za/wp-content/uploads/Nedbank-home-loan.png" alt="Nedbank home loan" class="wp-image-8609"/></figure>
</div>



<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow" style="padding-right:10px">
<figure class="wp-block-image size-full"><img src="https://static.wp.betterbond.co.za/wp-content/uploads/RMB-home-loan.png" alt="RMB home loan" class="wp-image-8608"/></figure>
</div>



<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow" style="padding-right:10px">
<figure class="wp-block-image size-full"><img src="https://static.wp.betterbond.co.za/wp-content/uploads/Sentinal-Homes-home-loan.png" alt="Sentinel home loan" class="wp-image-8607"/></figure>
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<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<figure class="wp-block-image size-full"><img src="https://static.wp.betterbond.co.za/wp-content/uploads/Standard-Bank-home-loan.png" alt="Standard Bank home loan" class="wp-image-8606"/></figure>
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<p class="has-text-align-center has-headingtext-color has-text-color has-x-large-font-size" style="margin-bottom:50px">We work with all the leading banks</p>

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Why should I get pre-approved before looking for a home?

What are the different types of sectional title properties?

What are the different types of freehold properties?

What’s the difference between freehold and sectional title properties?

Will getting a BetterBond pre-approval certificate affect my credit score?

What criteria do banks look at for home loans?

How much will a pre-approval certificate cost me?

How much can I afford on a home loan?

Can I pay off my bond earlier?

What are the upfront costs for a home loan?

What costs are included in my monthly bond repayment?

What are transfer duties?

What are transfer costs?

What costs are related to home loans?

What is the difference between a fixed and a variable interest rate?

How is my home loan interest rate determined?

Can I use BetterBond to refinance my current bond?

How do you calculate the loan amount?

What is BetterBond exactly?

Will BetterBond be able to service my bond?

Should I take out my life policy immediately, or can I wait for registration?

Will my life policy lapse once my bond is paid off?

Do I have to do medical tests when I take out a BetterLife Protection Plan?

When will my BetterSure Homeowner’s Cover begin?

Will my premium increase each year?

Are BetterSure Homeowner’s Cover and bank insurance the same thing?

Do I have to take the bank’s insurance, or can I choose BetterSure Homeowner’s Cover?

Why use BetterSure?

Can I negotiate on my interest rate?

Does BetterBond offer home loans for investment properties?

Is my information protected and secure?

Is BetterBond a direct lender?

What is the maximum age you can be, to be considered for a home loan?

What do you need to qualify for a bond?

What exactly does a bond originator do, and what are the real benefits of using a bond originator?

If I’m married in community of property (COP), must my spouse be included in the application and/or pre-approval?

Will the payment from the bank to BetterBond affect my loan repayments?

Can attorney fees be included in the loan amount?

What are the requirements for a home loan if I am self-employed and/or a sole proprietor?

Can I use my pre-approval certificate as a guarantee?

What’s the difference between a pre-qualification and a pre-approval?

Will I need an offer to purchase (OTP) to apply for a home loan or for pre-approval?

I’ve heard of FLISP. What does it stand for and how does it work?

Can BetterBond assist me with switching from one financial institution to another?

Can BetterBond help me with a building loan?

Can I apply for a bond together with another person?

I’m a South African citizen living or working abroad. Can BetterBond still help me?

Does BetterBond help foreign nationals?

Besides home loans, can BetterBond also assist me with bonds for trusts and businesses?

Does BetterBond only help first-time homebuyers?

What is the minimum income I need to qualify for a home loan?

Is BetterBond a financial institution?

Once I have my pre-approval certificate, how long is it valid for?

How long is the entire pre-approval process?

Do I have to pay to get pre-approved?

Why is getting pre-approved for a bond so important?

Why do I need to sign so many documents at the attorneys?

I’ve heard of ‘approval’ and ‘final grant’. What’s the difference?

Once my application has been submitted, how long do I have to wait for approval?

Do I follow up my application by checking in with the bank, or do I call BetterBond?

Do I have to use the bond originator suggested by my agent, or can I use any originator?

Can BetterBond guarantee that I will get home finance?

Can BetterBond guarantee a low interest rate on my bond?

Does the fee earned by BetterBond mean that I have to pay hidden costs?

If I use BetterBond to get my home loan, will I have to pay BetterBond?

So, how does BetterBond get paid?

Why is buying a home an investment?

Is it better to rent or buy property?

Why use BetterBond?

Affordability

The more information you can provide, the more accurate your estimate will be.

This affordability calculator uses the current interest rate, but the rate that will be applied to your home loan could vary, depending on factors like your credit score and whether you've saved a deposit.

Interest rate

This affordability calculator uses the most common home loan term, which is 20 years (240 months), but you can enter another timeframe and the results will change accordingly.

Repayment term

Enter your (and your co-applicant's) monthly income before taxes to determine affordability.

Monthly gross income

Enter your (and your co-applicant's) monthly income after taxes to determine affordability.

Monthly nett income

The monthly amount you pay on debt and household expences. Do not include rent or loan amounts if these will be replaced by the new bond payment.

Monthly expenses

This is the monthly repayment calculated on the loan amount you qualify for.

Total monthly repayment