11/03/2026
Many South Africans believe you must have a big deposit to buy a home.
But that’s not always true.
Some banks offer 100% home loans, meaning they finance the full purchase price for qualified buyers.
Approval usually depends on:
• your income
• your credit score
• your existing debt
That’s why one of the smartest first steps is bond pre-approval.
A bond pre-approval is when a bank checks your finances and estimates what you may qualify to borrow before you start house hunting.
At Kwantu Homes, we help first-time buyers understand the process step by step.