Cheryl Zartz - ooba Property Finance Specialist

09/09/2026

09/09/2026

💰 How is your home loan affordability calculated?

Before starting your property search, it’s important to understand what you can realistically afford.

Banks consider several factors when assessing your home loan application, including:
✔ Your monthly income
✔ Your expenses and existing debt
✔ Your credit profile
✔ Your ability to comfortably manage monthly repayments

Understanding your affordability upfront helps you search for properties within your budget and make more confident decisions.

A new home chapter starts with knowing where you stand financially. 🏡

Give me a call to assist you with the calculation and see what you qualify for and start planning your journey. 083 266 2093

09/09/2026

Wishing all my family, friends and business partners, a happy, healthy and peaceful New Year and well over the Fast.

02/09/2026

Cheryl Zartz
083 266 2093
[email protected]

Check your credit score instantly and see what home loan you can afford with the ooba Bond Indicator. Our service is free and has no impact on your credit score.

01/09/2026

Buying a home involves more than just the purchase price.

Transfer costs are an important part of your homebuying budget, and knowing what to expect can help you plan with confidence.

Use our Transfer Cost Calculator to estimate your costs before you buy.

Calculate your transfer costs: https://www.ooba.co.za/home-loan/transfer-cost-calculator/

01/09/2026

A new season brings fresh starts, new possibilities and beautiful things ahead.
And maybe… the keys to a new home too🏡💚
Here’s to growing dreams, opening doors and making new beginnings happen this Spring.
You find the home, we find the money!

26/08/2026

🏡 One application. Multiple quotes. More choice.

Why settle for one home loan offer when you can compare? With ooba Home Loans, we approach multiple banks on your behalf, helping you compare home loan offers and find the one that works best for you. 💚

We do the legwork, so you can focus on the exciting part — getting the keys to your new home! 🔑✨

Ready to make your move? Give me a call on 083 266 2093 or email [email protected]

26/08/2026

Cheryl Zartz
083 266 2093
[email protected]

Buying a home involves more than just the purchase price.

Transfer costs are an important part of your homebuying budget, and knowing what to expect can help you plan with confidence.

Use our Transfer Cost Calculator to estimate your costs before you buy.

Calculate your transfer costs: https://www.ooba.co.za/home-loan/transfer-cost-calculator/

21/08/2026

🏡💚 Home is where the weekend feels even better.

Put the house hunting, paperwork and to-do lists aside for a moment — it’s time to switch off, put your feet up and enjoy the comforts of home. 🐶🥒

Wishing you a relaxing, happy and wonderful weekend! ✨

Cheryl Zartz
083 266 2093
[email protected]

20/08/2026

Cheryl Zartz
📱083 266 2093
💻[email protected]

Thinking about buying a home? Start by knowing what you can afford.

A bond affordability calculator gives you an estimate of how much you may be able to borrow based on your income and expenses, helping you set a realistic budget before you start house hunting.

Knowing your affordability means you can search with confidence, focus on homes within your budget, and take the first step towards homeownership with greater certainty.

Try ooba Home Loans' Bond Affordability Calculator today: https://www.ooba.co.za/home-loan/bond-calculator/