For first-time buyers
First-time buyer journey
Buying your first home is a sequence of decisions, not one big leap. These six steps take you from working out what you can afford to collecting the keys — each one a short guide you can read on its own. Start at the beginning, or jump to wherever you are right now.
Edited by
Annali Janse Van Rensburg
Senior Editor
Annali is MyProperty's resident editor, responsible for producing trusted, accessible content that helps South Africans navigate every stage of their property journey.
The journey, step by step
Six steps to your first home
Each step covers what happens, what it costs you and what to check before you commit.
- 1
Get bond-ready
Know what you can afford before you fall for a house. Pre-qualification is free and not binding.
- 2
View like a pro
Check for damp, roof condition and unapproved additions. Ask about levies, rates and approved plans.
- 3
Make your offer
The offer to purchase is a binding contract the moment both parties sign — never a formality.
- 4
Check the clauses
Suspensive conditions, occupation date and rent, the fixtures list, and any 72-hour clause.
- 5
Bond & FICA paperwork
Your bank approves the bond; the conveyancer verifies everyone’s identity before lodging.
- 6
Transfer & registration
The conveyancer lodges at the Deeds Office. Registration day is key day — typically 8–12 weeks.
Still have questions?
These guides are general information for first-time buyers — they aren’t legal or financial advice. For an instant answer to your questions, ask our assistant. For a question about your own transaction, ask Cara directly.