Charmaine Seroot Home Loans Specialist

07/08/2026

07/07/2026

Married couples who own property in South Africa are urged to take note after a major Constitutional Court ruling changed the legal landscape. Full story in the comments

Image: Ivy Calder, Nanci Santos via Getty

22/06/2026

Congratulations 🙌🏼 Mr. Hammond on receiving the keys to your new home. I am so glad to have been part of your journey to own your first home. 🏠 🙏🏽🤗🥳🥰

11/06/2026

Many buyers start viewing properties before knowing what they can actually afford.

A pre-approval helps set realistic expectations, strengthens offers, and gives sellers greater confidence in prospective buyers.

That's why we believe: A pre-approval is a MUST.

10/06/2026

Over time, most agents develop a sixth sense for identifying buyers who are ready to proceed versus those who may struggle to secure finance.

What’s the first positive sign you look for when meeting a prospective buyer?

Share your signs in the comments below, we’d love to know!

28/05/2026

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.