Home Loans Property News
Home loan interest rates and what the latest decision means for you
03 Feb 2026
Even small monthly top-ups can shave years off a home loan and save hundreds of thousands of rands in interest. The earlier extra repayments are made, the greater the benefit — especially while interest rates remain elevated.South Africa’s Reserve Bank (SARB) has opted to keep the repo rate unchanged at 6.75% following its first Monetary Policy Committee (MPC) meeting of 2026. While many homeowners and buyers were hoping for the start of a more aggressive rate-cutting cycle, the decision reflects a cautious, wait-and-see approach in a complex global environment.
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Should you fix your home loan interest rate?
26 Jan 2026
Homeowners and prospective home buyers often consider fixing the interest rate on their home loans, and with inflation concerns, rising living costs, and an upcoming repo rate announcement, this has once again become a key talking point.
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Home loan checklist: Get pre-approved before February
13 Jan 2026
For many South Africans, the start of the year marks the time when serious home-buying decisions are made. January and February traditionally mark a period of renewed market activity, with new listings and motivated sellers. If you are planning to buy property in 2026, one of the smartest moves you can make is to get pre-approved for a home loan before February.
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Affording a home in 2026 - the real numbers South African buyers need to know
08 Jan 2026
For most South Africans, buying a home in 2026 is no longer just about finding the right property; it’s also about navigating affordability in a high-cost, high-pressure environment. Food prices remain elevated, electricity and municipal charges continue to rise, and while interest rates have eased from their peak, they’re still high enough to shape what buyers can realistically afford.
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