11/06/2026
Interest rates are up again — repo rate now 7%, prime at 10.5%.
That means home loans cost R165–R496 more each month… but it’s not all doom and gloom.
Smart moves and sharp pricing can still turn the market in your favor.
Whether you're a buyer looking to stretch your budget, or a seller trying to stand out, these tips could save you time, money, and stress.
For Buyers:
Property is still more affordable than 2 years ago.
High approval rates + lower deposits = opportunity.
Lower your target price, get pre‑qualified, and use bigger deposits to ease repayments.
For Sellers:
Accurate pricing is everything — well‑priced homes sell faster.
Overpricing risks long delays and forced reductions.
Rental demand rises in rate‑hike cycles, so landlords should keep increases fair to retain tenants.
Budgeting Tip:
Follow the 50/30/20 rule — 50% essentials, 30% lifestyle, 20% savings (deposit, bond prepayment, renovations). Small, consistent savings build big property goals.
Bottom line: It’s not all doom and gloom. With the right strategy, buyers and sellers can still thrive in today’s market.
If you’re looking for more guidance on buying or selling, let’s chat.
Call me on +27 76 605 5040
Email [email protected]