Melinda van Heerden at GetGo Home Loans

11/06/2026

27/05/2026

MISSION BRIEFING: PROPERTY OWNERS

To the untrained eye, selling a home looks simple:
Sign the paperwork. Find a buyer. Pack your bags.

But behind the scenes, tighter Deeds Office regulations and strict SARS auditing can turn a standard property transfer into an absolute minefield.

These are the real-world traps we help sellers avoid before they cost time and money:

• The 90-Day Bond Penalty
Fail to give your bank written notice to cancel your bond before selling, and you could be hit with penalty interest at registration.

• The Unapproved Plan Rejection
Banks are declining buyer bonds at the final hour when patios, carports, braai rooms, or extensions don’t match approved municipal plans.

• The SARS Duty Freeze
A minor tax mismatch or outstanding return from either party can freeze the transfer duty receipt completely.

• The Advance Rates Catch
Municipalities often require current rates plus up to 3–4 months’ utilities paid upfront before issuing a Rates Clearance Certificate.

When a sale starts feeling like an extreme sport, you don’t need luck.

You need an agent who treats compliance with precision.

YOUR MISSION, SHOULD YOU CHOOSE TO ACCEPT IT:

Sell your property for top market value, with zero headaches and zero unnecessary delays.

I’ve already accepted. The next move is yours.

25/05/2026

As we head into the May MPC meeting, the interest rate conversation remains front of mind for buyers, sellers, and finance professionals. While no single decision operates in isolation, understanding the current backdrop helps frame realistic expectations.

🌏What’s happening globally?
Internationally, inflation has proven stubborn, largely driven by elevated oil and fuel prices linked to ongoing geopolitical risks. Major central banks are holding a cautious line, signalling patience rather than urgency. This global “higher for longer” stance continues to influence funding costs, currency volatility, and sentiment in emerging markets like South Africa.

🇿🇦 What’s happening locally?
At home, inflation remains contained, but economic growth is uneven. Consumer spending is under pressure, retail activity has softened, and demand remains selective rather than broad-based. While this supports the long term case for eventual rate relief, uncertainty abroad keeps the SARB focused on protecting stability for now.

📈 The consumer lending environment
Lenders remain active, pragmatic, and competitive, but are more attuned to risk. Affordability conversations are sharper, financial planning matters more, and home finance customers are increasingly open to advice around structuring, fixing, or protecting repayments.

🏘️Why this matters for the property market
Property activity doesn’t stop when rates are uncertain, it adjusts. Responsible buyers pause to reassess budgets and affordability, sellers price more accurately and adjust their expectations on how long to anticipate their property remaining on the market. Serious buyers who have anticipated living-expense shocks will still buy, driving volumes through banks. In many cases, markets like this create opportunities for well advised, prepared buyers and well-priced sellers.

As we await the MPC’s guidance, the key message for the property ecosystem is steady confidence: informed advice, realistic expectations, and flexibility remain powerful drivers of successful transactions, even in a holding-pattern rate environment.