Thulani Mthethwa

If you’ve ever tried to buy or sell a property in South Africa, you’ve likely encountered a flurry of paperwork, from certified IDs, proof of address, bank confirmations, and more. It might feel excessive at times, but all of it has a very important purpose. That’s where FICA comes in.

South Africa’s property market is showing early signs of recovery, with the latest FNB House Price Index (HPI) revealing an increase to 1.2% year-over-year (y/y) in January 2025—the highest growth rate since June 2023. While still subdued, this trend signals improving buyer confidence, fueled by easing financial pressures and shifting lending conditions.

Buying your first home is an exciting milestone, but it can feel overwhelming too. After all, you’re not just choosing a property—you’re picking the neighbourhood where you’ll build your life. With cities embracing more urban living, finding the perfect area means balancing your lifestyle, budget, and long-term goals.