Mi Bonds Home Loans South Africa

09/09/2026

Home Loans Info Series ~ Day 3 🏡

🏡 Understanding Property Valuations: Who Does What?

In a property transaction, both the bank’s property assessor and a professional property valuer play important but very different roles.

🔹 Bank Property Assessor~
The bank appoints an assessor to protect its lending risk. Their role is to confirm that the property’s value supports the loan amount being applied for. The assessment is typically brief and focuses on market value, condition, location and comparable sales — ensuring the bank is not over-financing the purchase.
No thorough inspection takes place, sometimes even a desktop valuation is applied.

🔹 Professional Property Valuer~
A professional valuer works independently, often for the buyer, seller or legal purposes. Their valuation is far more detailed and may be required for estate planning, divorce, tax or disputes.
This report includes in-depth analysis, methodology and supporting data and is legally defensible. This service attracts a fee.

✅ In short~
The assessor protects the bank’s interests, while the professional valuer provides a comprehensive, independent valuation for informed decision-making.

At MiBonds, we help clients understand every step of the home loan journey — so there are no surprises along the way.

Chat to our Team for home loan finance assistance at a myriad of financial institutions ~

🙋‍♀️ Audrey Pretorius 084 757 2287
🙋‍♂️ Jared Pretorius 082 317 1140
🌍 www.mibonds.co.za

08/09/2026

08/09/2026

Home Loans Info Series ~ Day 2 🏡

🏡 The Role of the Estate Agent in Selling Your Property

A skilled estate agent plays a vital role in ensuring a smooth and successful property sale. From the very first listing to final negotiations, their expertise protects your interests and maximises your return.

Here’s what an estate agent handles for you:

🚩 Accurate property pricing based on current market trends.

🚩 Professional marketing, photography and exposure across platforms.

🚩Screening and qualifying serious buyers.

🚩 Hosting viewings and managing buyer feedback.

🚩 Negotiating the best possible price and terms.

🚩 Guiding both buyer and seller through compliance and offer acceptance.

With the right estate agent by your side, selling your property becomes less stressful, more efficient and financially rewarding.

The right guidance makes all the difference.

And for finance ~
MiBonds | Nobody Does It Better 🏡🏡🏡

Next up: contact a Consultant for a home loan pre-approval & an introduction to a top estate agent in your area.

🌍 www.mibonds.co.za

Mr Bond ~ 082 317 1140
Audrey ~ 084 757 2287

07/09/2026

Home Loans Info Series ~ Day 1🏡

What does an Electrician do before a house can be sold?

🔌🔥 Electrical & Gas Certificates of Compliance (COCs): What Happens Before They’re Issued?

When buying or selling a property, Certificates of Compliance (COCs) are legal requirements that protect both parties and ensure the home is safe to occupy. Here’s what happens behind the scenes before these certificates are issued:

⚡ Electrical Certificate of Compliance (Electrical COC)
A registered electrician conducts a full inspection of the property’s electrical system, including:

Distribution board (DB board) and circuit breakers

Earthing and bonding

Plug points, light fittings and switches

Electrical wiring and visible connections

Any faults or safety risks must be repaired before the electrician can issue the Electrical COC, confirming the installation meets current safety regulations.

🔥 Gas Certificate of Compliance (Gas COC)
If the property has gas appliances, a registered gas practitioner will inspect:

Gas cylinders and regulators

Pipework and connections

Gas appliances (stoves, geysers, fireplaces)

Ventilation and leak testing

Once everything is compliant and safe, the Gas COC is issued, confirming the installation meets legal and safety standards.

✅ Why this matters:
These certificates are mandatory for property transfers and give buyers peace of mind that their new home is safe and compliant.

At MiBonds, we help ensure every step of your home-buying journey is smooth, compliant and stress-free.
And the best news ~ we can refer you to qualified, ethical contractors to check the house's electrical and/or gas installations.
Typically this is the sellers responsibility.

🌍 www.mibonds.co.za

06/09/2026

A good read....

𝗦𝗔𝗟𝗘 𝗔𝗦 𝗔 𝗚𝗢𝗜𝗡𝗚 𝗖𝗢𝗡𝗖𝗘𝗥𝗡 𝗔𝗡𝗗 𝗩𝗔𝗧 𝗥𝗘𝗤𝗨𝗜𝗥𝗘𝗠𝗘𝗡𝗧𝗦

In property transactions either Transfer Duty or VAT is payable. If the Seller is a VAT vendor the question is whether VAT will be payable at 15% or at 0%.

𝗙𝗶𝗿𝘀𝘁𝗹𝘆, it must be ascertained whether the vendor sells the property in furtherance of its enterprise. If the vendor is a dentist whose practice is VAT registered and he sells his residence (a property not used or applied in the course of the business), the transaction will not attract VAT, and the purchaser will pay transfer duty.

𝗦𝗲𝗰𝗼𝗻𝗱𝗹𝘆, 𝘁𝗵𝗲 𝗿𝗲𝗾𝘂𝗶𝗿𝗲𝗺𝗲𝗻𝘁𝘀 for the sale as a going concern in terms of Section 11(1)(e) of the Transfer duty Act must be met:

1. Both the seller and purchaser must be registered 𝗩𝗔𝗧 𝘃𝗲𝗻𝗱𝗼𝗿𝘀.
2. The enterprise supplied must be capable of separate operation.
3. Both the seller and purchaser must agree 𝗶𝗻 𝘄𝗿𝗶𝘁𝗶𝗻𝗴 that the business is
disposed of as a going concern.
4. Both the seller and purchaser must agree 𝗶𝗻 𝘄𝗿𝗶𝘁𝗶𝗻𝗴 that the business is an income-earning activity on the date of transfer.
5. That the assets necessary to continue its income earning activity will be disposed of to the purchaser.
6. That the agreement concluded specify that the consideration for the supply of a going concern includes VAT at 0%.

𝗘𝘅𝗮𝗺𝗽𝗹𝗲𝘀:

1. Sale of a commercial property, dentist practice, including the equipment and where the purchaser will continue using the property as a dental practice. The business operations continue undisrupted before and after registration.
2. Sale of a farm including farm implements and livestock and the farming will continue after date of registration.

𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁:

SARS will not consider zero rating if the VAT returns are not submitted and up to date.

The agreement of sale should contain a provision that if SARS declines the Zero-rated transaction, the standard 15% VAT rate will be payable by the purchaser.

𝗥𝗲𝘀𝗶𝗱𝗲𝗻𝘁𝗶𝗮𝗹 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘀𝗮𝗹𝗲 𝗮𝘀 𝗮 𝗴𝗼𝗶𝗻𝗴 𝗰𝗼𝗻𝗰𝗲𝗿𝗻:

Residential property leased for residential purposes is exempt of VAT (irrespective if the property is registered in a company’s name). Therefore, the transaction is not subject to VAT.

05/09/2026

Lets go Bokke 🇿🇦🇿🇦

05/09/2026

Its been a good week, South Africa 🇿🇦

Every Friday, 100,000 people get some good news delivered to their inboxes and this week’s newsletter was packed with stories worth sharing

05/09/2026

Gardening Saturdays with MiBonds 🌷

Stargazer Lilies – Grow Your Own Stars 🪻
Few flowers make a statement quite like the Stargazer Lily (Lilium ‘Stargazer’).
With their spectacular pink-and-white blooms, dark speckles and heavenly fragrance, they’re a real showstopper in the garden! 🌷✨

🌱 Tips for Growing Stargazer Lilies
☀️ Choose the right spot ~
Give them plenty of sunlight — ideally 6 hours or more a day — while keeping their roots cool and protected.
💧 Water wisely ~
Keep the soil consistently moist but never waterlogged. Water deeply when the top layer of soil begins to dry.
🌿 Well-drained soil is essential ~
Stargazers love fertile soil enriched with compost. Good drainage helps prevent the bulbs from rotting.
🌷 Plant the bulbs deeply ~
Plant bulbs roughly 3 times as deep as the bulb's height, with the pointed growing tip facing upwards.
🍃 Feed for beautiful blooms ~
Use a good bulb fertiliser when growth appears and again as the plant develops. A layer of compost around the plant can also provide valuable nutrients.
✂️ After flowering don't cut too soon ~
Remove the spent flowers, but leave the green leaves and stem intact. The foliage continues feeding the bulb and helps it store energy for next year's flowers.
🌸 Want more flowers next year ~
Once the foliage has naturally yellowed and died back, it can be cut down. With good care, healthy bulbs can return and reward you with another spectacular display.
💗 And that fragrance ~
Stargazers are prized not only for their incredible colour but also for their strong, sweet fragrance — making them wonderful additions to patios, entrances and garden beds.
🌺 A little care today means a garden full of stars tomorrow!
Do you have Stargazer Lilies growing in your garden? 🌸 What is your favourite lily colour?

🌿🏡

04/09/2026

☀️ WEEKENDS ARE FOR LIVING 🌊📸🪁

Sometimes the most productive thing you can do is… absolutely nothing! 😎

After a busy week of work, deadlines, emails, meetings and endless to-do lists, our minds and bodies need time to slow down, recharge and have some fun....

🌿 Sleep a little later.
☕ Enjoy that leisurely coffee.
🌊 Take a walk along the beach.
🚗 Go for a scenic drive.
😂 Laugh with friends and family.
🎶 Listen to your favourite music.
🌅 Watch the sunset.
❤️ And most importantly… enjoy the people and moments that make life special.

We spend so much time working towards the life we want that we sometimes forget to actually live it.

So this weekend, give yourself permission to put the paperwork aside, take a deep breath and enjoy the sunshine. ☀️
Life isn't just about getting things done — it's about making memories along the way.

🌟 Slow down. Have fun. Enjoy the weekend. 🌟
And allow MiBonds to take control of your home loan process!