Phoenix Bonds Free State

22/05/2026

14/05/2026

12/05/2026

Alricia Mouton

Most young South Africans think buying a first home is still five years away. FNB just changed the math.

Their new home loan, launched end of April, lets buyers under 35 pay interest only for the first two years - at a fixed, locked-in rate. That's a meaningful drop in your monthly bond at exactly the stage of your career when cash flow is tightest.

You also get up to 110% finance (transfer fees rolled in), terms up to 30 years, and up to R30 000 in rewards over your first nine years.
Eligibility: under 35, NQF Level 5+, first-time buyer.

Full breakdown on the blog - or DM us at Phoenix Bonds and we'll run the numbers against every major lender, free:
https://www.linkedin.com/pulse/buying-your-first-home-before-35-fnbs-new-loan-worth-van-deventer-vry5c

27/02/2026

Alricia Mouton

New Episode Live! Cor van Deventer breaks down the Offer to Purchase - the clauses that delay transfers, the risks agents miss, and the wording that protects your commission. Listen now: https://open.spotify.com/episode/11mAWKPeFLVaSetWBCuoZm?si=puVh8up_Tpm43ss3HYROxg&nd=1&dlsi=01c135cc6db94597

27/02/2026

Alricia Mouton

When you own a home, each monthly repayment does two things:
1) you reduce your loan balance and
2) your property (usually) increases in value.

That difference is called equity - the portion of the property you truly own.

Over time, this becomes powerful. A R1m property today could be worth more than R2.6m in 20 years, while your bond balance reduces to zero. That’s why property ownership builds wealth for ordinary buyers - not through savings discipline, but through consistency.

Before you start house-hunting, get pre-qualified so you know what you can safely afford and structure the finance correctly.

Read more:
https://www.phoenixbonds.finance/Insights/entryid/2091/how-equity-builds-in-your-home-over-20-years-and-why-its-so-powerful

31/01/2026

Alricia Mouton

Foreign buyers see opportunity in SA property. Do you?

As international demand rises, so does competition - which makes your interest rate more important than ever.

Two buyers can purchase the same property and pay wildly different monthly repayments, purely based on how their finance is structured and negotiated.

Don’t just buy well.
Finance smart.

Read more 👇
https://dailyinvestor.com/property/115178/rich-foreigners-flock-to-south-african-property/

22/01/2026

📊 Property Economy Series | Phoenix Bonds x Dr Roelof Botha

Good news for SA property 👀
Three forces are lining up:

🔹 Stronger rand
🔹 Trade surplus
🔹 Private investment growth

They’re keeping inflation low and increasing the chance of rate cuts in 2026 - with some forecasts pointing to prime at 10%.

That means better affordability, lower repayments, and more confident buyers.

Read more 👇
https://www.phoenixbonds.finance/Insights/entryid/2084/the-property-economy-insights-by-dr-botha-jan-2026