Mi Bonds Home Loans South Africa

24/09/2026

🚩 What does a 0,25% rate increase mean on a R2 million home loan? 🚩

Over a 20-year term, assuming the full loan is outstanding:

📌 At 10,50%: approximately R19,968 per month
📌 At 10,75%: approximately R20,305 per month

That’s an increase of about R337 per month — or approximately R4,044 per year.

Over 20 years, if the rate remained unchanged for the entire term, the difference in total instalments would be about R809,000.

💡 Small rate changes can make a meaningful difference over time. This is why understanding your home loan structure, reviewing your interest rate and making additional payments where possible can be valuable.

MiBonds Home Loans — Nobody Does It Better.

🙋‍♀️ [email protected]
🙋‍♂️ [email protected]
🌐 www.mibonds.co.za

24/09/2026

All our favourite things together 🖤💛💚❤️💙
A stunning sunset 🌇
An inviting braai fire 🔥
A protea depicting our fauna & flora 🌷
The mountains and the sea 🛘🌊
Coffee to go 😉☕️
The green & gold of Rassie's Boks 🇿🇦

Happy Heritage Day South Africans everywhere!

23/09/2026

🏡 PROPERTY BUYING IS A TEAM EFFORT — BUILT ON TRUST & CONFIDENTIALITY 🔑

Buying a home is one of the biggest financial decisions you’ll make. Behind every successful purchase is often a trusted relationship between the buyer, estate agent and bond originator.

🤝 The Buyer ~
Shares personal financial information, goals and circumstances so the right property and finance solution can be considered.

🏠 The Estate Agent ~
Understands the buyer’s property requirements, facilitates the purchase process and helps bring buyer and seller together.

💰 The Bond Originator ~
Handles sensitive financial information with discretion, assists with the home loan application and approaches the banks to find suitable finance options.

🔐 Confidentiality matters!
Financial information, personal circumstances, affordability and other sensitive details should be handled professionally and shared only where necessary and appropriate, with the buyer’s knowledge and consent.

When these three professionals work together with trust, clear communication and respect for confidentiality, the property journey can be smoother and more transparent for everyone.

✨ Your dream home deserves a trusted team behind it. MiBonds Home Loans — We do the paperwork while you do Life. 🏡

🙋‍♀️ Audrey Pretorius | 084 757 2287
📧 [email protected]
🌐 www.mibonds.co.za

🙋‍♂️ Jared Pretorius | 082 317 1140
📧 [email protected]
🌐 www.mibonds.co.za

#

22/09/2026

22/09/2026

🏠 THINKING ABOUT BUYING A HOME? YOUR CREDIT PROFILE MATTERS.

Before applying for a home loan, it’s important to understand how your credit history can affect your application.

⚠️ Arrears – Regularly falling behind on payments can negatively affect your credit profile.

⚠️ Defaults – Unpaid accounts or missed payments that are reported can lower your credit score and raise concerns with lenders.

⚠️ Judgements – A judgement can seriously affect your credit profile and may make obtaining a home loan more difficult.

🏦 Banks look at your overall credit profile when assessing a home loan application. A weaker credit history can result in your application being declined, a lower approved amount, or less favourable lending terms.

The good news? You don't have to guess where you stand.

At Mr Bond Home Loans, we can help you understand your position and assist you with the home loan process.

📲 Jared Pretorius | CEO & Home Loan Consultant
Mr Bond Home Loans

Your home loan. Our expertise.

082 317 1140
[email protected]

22/09/2026

🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡
THE 72-HOUR CLAUSE: WHAT DOES IT REALLY MEAN?

You’ve found your dream home, signed an Offer to Purchase (OTP)… and then you hear:
“There’s a 72-hour clause in the contract.” 😳
So, what does it mean?

A 72-hour clause is a contractual provision that may allow a seller to continue marketing their property even after accepting an offer, usually because the accepted offer is subject to a condition — such as the buyer obtaining a home loan.

🔑 How does it work?
If another buyer makes an acceptable offer that meets the seller’s requirements, the original buyer may be given a specified period — commonly 72 to~

✅ Fulfill or waive the relevant suspensive condition, if legally and contractually possible; or

✅ Proceed with the transaction as required by the OTP.

If the original buyer cannot satisfy the condition within the stipulated period, the seller may have the right to cancel the first agreement and proceed with the new buyer — but only if the clause has been properly included and the contractual requirements have been followed.

⚠️ FOR BUYERS, this is important:
A 72-hour clause does not necessarily mean you have only 72 hours to get a bond approved from scratch.
The exact wording of the OTP determines what must happen, when the period starts, what notice must be given, and what rights each party has.
🏦 This is where being financially prepared matters.

Before making an offer, speak to a bond originator about a pre-qualification.
Knowing your approximate affordability and having your documentation ready can put you in a much stronger position if your offer is accepted subject to bond approval.

💡 FOR SELLERS:
A 72-hour clause can provide flexibility while keeping the property on the market, but the wording and procedure are crucial.
Always understand exactly what your OTP allows before accepting another offer.

📌 The Bottom line:
Read the clause.
Understand the conditions.
Know your deadlines.
And get professional advice before making a decision.

When it comes to property, 72 hours can move very quickly! ⏰🏠

Need help getting bond-ready before you make an offer?
🙋‍♀️ Audrey Pretorius / MiBonds
📲 084 757 2287
📧 [email protected]

🌐 www.mibonds.co.za

🙋‍♂️ Jared Pretorius / Mr Bond
📲 082 317 1140
📧 [email protected]

21/09/2026

In real esrate, one of the most important considerations is Location, LOCATION Location!!

Rather buy the smallest home you can afford in the best area to ensure your investments growth potential

And why is Location important to MiBonds?
We are a National Brand and can assist you witb home loan finance anywhere within the borders of South Africa....
From Pretoria to Prieska...
Pumula to Patenoster...
Pongola to Putsonderwarer....
And everything inbetween 🏡🏡🏡

Chat to MiBonds today ~
🙋‍♀️ Audrey Pretorius 084 757 2287
🙋‍♂️ Jared Pretorius 082 317 1140

20/09/2026

WEEKEND SHOW DAYS? GET AHEAD OF THE PACK! 🔑🏡🎯

Found a home you LOVE? 💛
Don’t wait until after the Show Day to find out if you can afford it!

The smartest buyers arrive prepared — with their finances already assessed and a home loan pre-qualification in place.

So why speak to a Bond Originator before you shop?
✅ Know your realistic buying budget.
✅ Understand what your monthly bond repayment could look like.
✅ Strengthen your position when you find “the one”.
✅ Be ready to act quickly when there’s competition.
✅ Get guidance on the home loan application process.
✅ Access multiple lenders and cost~incentives through an experienced Bond Originator.

🏠 SHOW DAY TIP:
While others are still asking, “Can I afford this house?” — you could already know your numbers and be ready to make your move with a Pre~Qualification Certificate from MiBonds 👌

Your dream home might only be one offer away.
Get pre-qualified 🏡
Get prepared 🏡
Get ahead of the pack🏡

🙋‍♀️ Audrey Pretorius / Bond Originator
📱 084 757 2287
📧 [email protected]

🌐 www.mibonds.co.za

🙋‍♂️ Jared Pretorius / Bond Originator
📲 082 317 1140
📧 [email protected]

MiBonds Home Loans
Helping SA own more homes. 🏡✨

20/09/2026

19/09/2026

The Pretty Pink Daisy Bush That Just Keeps Giving! 🩷🌸🩷

If you're looking for a plant that brings months of cheerful colour to the garden, the Argyranthemum — or Marguerite Daisy — is a wonderful choice.

This beautiful, bushy perennial produces masses of daisy-like flowers above finely divided, ferny foliage. Pink varieties like this one create a spectacular display and are particularly lovely planted in groups, along pathways, in borders or in large containers.

☀️ Give it sunshine ~
Argyranthemums flower best in full sun, ideally with around 6 hours or more of direct sunlight.
Too much shade can result in fewer flowers and a more open, leggy plant.

💧 Don't drown it ~
Plant in well-drained soil enriched with compost. Water regularly while establishing, then water deeply when the soil begins to dry.
Avoid constantly wet soil — good drainage is particularly important during rainy periods.

✂️ Prune for more flowers ~
Regular deadheading keeps the plant looking tidy and encourages continued flowering.
After a major flush of flowers, give the plant a light trim to encourage fresh, bushy growth and another spectacular display.

🌱 Feed it ~
During active growth and flowering, a light application of a balanced fertiliser every 4–6 weeks can encourage healthy foliage and plenty of blooms.

🏡 Inland South Africa ~
Argyranthemums can perform beautifully in Gauteng and other inland areas, but frost is the main consideration.
They tolerate mild to moderate frost, but severe frost can damage them.
Plant in a sunny, sheltered position and protect young plants during particularly cold spells.

🌊 Coastal South Africa ~
They are particularly happy in many mild coastal gardens, where they can flower for a very long season and, in frost-free areas, potentially almost year-round. Good drainage is still essential, especially in humid or high-rainfall areas such as the KZN coast.

🌸 Gardening tip ~
Give your Daisy Bush a good haircut after flowering, rather than allowing it to become woody and straggly. Regular light pruning helps maintain that gorgeous rounded shape and encourages fresh flowering growth.
Sunshine + good drainage + regular feeding + a little pruning = a garden full of happy pink daisies! 💗🌸

Gardening is all about finding the plants that thrive where you live — and this little beauty certainly knows how to put on a show!

🌿