Susan Röth Home Loan Specialist

Susan Röth Home Loan Specialist I am an experienced Home Loan Specialist and can assist you with your application for a home loan.

Dit is 'n algemene mite dat banke nie huislenings aan selfstandige kopers toestaan nie. Die waarheid is net dat die doku...
11/09/2026

Dit is 'n algemene mite dat banke nie huislenings aan selfstandige kopers toestaan nie. Die waarheid is net dat die dokumentasie-vereistes verskil.

Waar 'n salaristrekker net 'n betaalstrokie benodig, moet 'n besigheidseienaar gewoonlik hul jongste twee jaar se geouditeerde finansiële state, 'n brief van 'n rekenmeester, en ses maande se persoonlike en besigheidsbankstate verskaf. As jou besigheid winsgewend is en jou persoonlike krediet skoon is, is jy 'n sterk kandidaat.

Moenie toelaat dat papierwerk jou weghou van jou droomhuis nie.

📲 083 626 5793 | Ek help jou om die regte aansoek te bou.

Did you know that you pay zero transfer duty to SARS if your property costs less than R1,210,000?As of the 2025/2026 bud...
09/09/2026

Did you know that you pay zero transfer duty to SARS if your property costs less than R1,210,000?

As of the 2025/2026 budget, the transfer duty exemption threshold sits at R1.21 million, a significant cash saving for first-time buyers, as transfer duty cannot be financed through your bond and must be paid upfront. If you buy at R1.5 million, you only pay 3% on the amount above R1.21 million.

Understanding these upfront costs is critical to planning your purchase. I help my clients calculate exactly what cash they need before they sign an offer to purchase.

📲 083 626 5793 | Let's plan your property purchase.

Met die onlangse dalings in die prima rentekoers, nou op 10.50% , het jou koopkrag as huiseienaar aansienlik verbeter.Vi...
04/09/2026

Met die onlangse dalings in die prima rentekoers, nou op 10.50% , het jou koopkrag as huiseienaar aansienlik verbeter.

Vir elke R1 miljoen wat jy leen, is jou maandelikse paaiement nou laer as wat dit 'n jaar gelede was. Dit beteken jy kwalifiseer dalk vir 'n groter leningsbedrag, of jy kan bekostig om in 'n beter area te koop sonder om jou begroting te rek. Vir kopers wat op die kantlyn gewag het, is die mark nou baie meer toeganklik.

Wil jy weet presies hoeveel jy nou kan bekostig?

📲 083 626 5793 | Kom ons bereken jou nuwe bekostigbaarheid.

The biggest mistake you can make is waiting until you find the right house to check your credit.If you are planning to b...
02/09/2026

The biggest mistake you can make is waiting until you find the right house to check your credit.

If you are planning to buy your first home next year, the preparation starts today.

A single late payment, a high credit card balance, or too many recent credit inquiries can drop your score and increase the interest rate the bank offers you. By reviewing your profile six to twelve months before you apply, you have the time to correct errors, lower your debt-to-income ratio, and position yourself for the best possible rate.

Do not wait for the perfect house to hit the market. Get your finances ready first.

📲 083 626 5793 | Let's review your profile today.

Most people think getting bond approval is the finish line. It is actually just the beginning.After approval comes the o...
28/08/2026

Most people think getting bond approval is the finish line. It is actually just the beginning.

After approval comes the offer to purchase, the attorney process, transfer duties, registration costs, and occupation dates. For first-time buyers, this part of the process can feel overwhelming, and costly if you are not prepared.

Susan Roth does not just get you approved. She walks you through every step that follows so there are no surprises, no hidden costs, and no unnecessary delays between your approval and the day you get your keys.

📲 083 626 5793 | Let's Walk You Through the Full Process

Die meeste kopers aanvaar die eerste rentekoers wat die bank aanbied. Dit is een van die duurste foute wat jy kan maak.'...
26/08/2026

Die meeste kopers aanvaar die eerste rentekoers wat die bank aanbied. Dit is een van die duurste foute wat jy kan maak.

'n Verskil van selfs 0.5% op jou rentekoers kan jou tienduisende rande oor die leeftyd van jou verband spaar. Banke bied beter koerse aan kopers met sterk kredietprofiele en stabiele inkomstes, maar jy moet weet hoe om dit te beding.

Susan Roth weet hoe banke dink. Sy gebruik jou finansiële profiel om die sterkste moontlike aanbod te beding, sodat jy nie net goedgekeur word nie, maar die beste koers kry.

📲 083 626 5793 | Laat Ons Jou Koers Onderhandel

The biggest mistake first-time buyers make is waiting until they feel "ready."The truth is, ready is not a feeling, it i...
21/08/2026

The biggest mistake first-time buyers make is waiting until they feel "ready."

The truth is, ready is not a feeling, it is a number. Your income, your credit score, and your debt-to-income ratio tell the bank everything they need to know. If those three things are in order, you are already ready.

Susan Roth works with young professional couples who are at that point, financially established, credit-clean, and serious about buying. She takes the guesswork out of the process and gets you to an answer fast.

Stop waiting for the right moment. This is it.
📲 083 626 5793 | Let's Find Out What You Qualify For

Julle het albei loopbane. Julle het albei inkomstes. En julle is gereed vir die volgende stap.'n Gesamentlike verbandaan...
19/08/2026

Julle het albei loopbane. Julle het albei inkomstes. En julle is gereed vir die volgende stap.
'n Gesamentlike verbandaansoek kombineer julle inkomstes en gee julle toegang tot 'n hoër leningsbedrag.

Maar die bank kyk ook na beide julle kredietprofiele, en as albei skoon is, is julle in 'n uitstekende posisie.

Susan Roth werk met paartjies wat finansieel gevestig is en gereed is om te koop, nie dié wat nog hul finansies moet uitsorteer nie.

Is julle gereed? Kom ons begin.
📲 083 626 5793 | Bespreek Julle Opsies Vandag

Most people think buying property in South Africa while working overseas is complicated.It does not have to be.The bond ...
14/08/2026

Most people think buying property in South Africa while working overseas is complicated.
It does not have to be.

The bond application process for South Africans with foreign income is well-established, banks like Absa, Standard Bank, FNB and Nedbank all have clear guidelines for it. What makes the difference is not where you earn your money. It is how well your application is prepared.

Susan Roth specialises in getting bond applications right the first time. She works with buyers who are financially ready, people with clean credit, stable income, and the ambition to own property back home.

If that is you, the process is simpler than you think.
📲 083 626 5793 | Let's Get You Started

Address

Rawsonville
Breede Valley
6850

Telephone

+27836265793

Website

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