Home Loan Advice and Guides for South Africa 2026 | ooba Bloemfontein

6 min read·02 Jun 2026

What Is a Bond Originator and Why You Need One

A bond originator submits your home loan to multiple banks simultaneously, at no cost to you. Find out how they work, why they get better rates than going direct, and how to get started in Bloemfontein.

How to Improve Your Home Loan Approval Chances in South Africa

First Time Buyers

6 min read·28 May 2026

How to Improve Your Home Loan Approval Chances in South Africa

Banks approve roughly 75% of home loan applications submitted through a bond originator. The other 25% are declined for predictable, avoidable reasons. Here is how to make sure you are in the right group.

Conveyancing in South Africa Explained: What Happens Between Offer and Transfer

Home Loan Tips

5 min read·20 May 2026

Conveyancing in South Africa Explained: What Happens Between Offer and Transfer

Between signing the offer to purchase and getting the keys, a legal process called conveyancing takes place. Most buyers have no idea what is happening or why it is taking so long. Here is exactly what happens step by step.

Home Loans for Self-Employed People in South Africa: What You Need to Qualify

Home Loan Tips

6 min read·15 May 2026

Home Loans for Self-Employed People in South Africa: What You Need to Qualify

Self-employed South Africans can absolutely get home loans, but the application process is different. Banks need to see consistent income over two years. Here is exactly what they look for and how to present your best case.

FLISP: The Government Subsidy First-Time Buyers Often Miss

FLISP & Subsidies

6 min read·12 May 2026

FLISP: The Government Subsidy First-Time Buyers Often Miss

If you earn between R3,501 and R22,000 per month and have never owned property, you may qualify for a once-off government grant worth up to R169,264. Most qualifying buyers never claim it.

Home Loan Declined? Here Is What to Do Next in South Africa

Home Loan Tips

6 min read·05 May 2026

Home Loan Declined? Here Is What to Do Next in South Africa

A declined home loan application feels devastating but it is rarely the final answer. Different banks have different criteria and an application declined by one may be approved by another. Here is exactly what to do next.

Buying a New Development Property in South Africa: What You Need to Know

Home Loan Tips

5 min read·28 Apr 2026

Buying a New Development Property in South Africa: What You Need to Know

Buying a new development property in South Africa comes with different rules, different costs and different risks to buying an existing home. Here is what you need to know before you sign anything.

Buying vs Renting in South Africa in 2026: An Honest Comparison

First Time Buyers

6 min read·22 Apr 2026

Buying vs Renting in South Africa in 2026: An Honest Comparison

The buying versus renting debate is not as simple as most articles make it out to be. Here is an honest, numbers-based comparison for South African buyers in 2026, including what rising interest rates change.

Home Loan Interest Rates in South Africa: How to Get the Best Rate in 2026

Home Loan Tips

6 min read·14 Apr 2026

Home Loan Interest Rates in South Africa: How to Get the Best Rate in 2026

The interest rate on your home loan is the single most expensive variable in the entire transaction. A 0.5% difference on a R1.15 million bond costs or saves over R100,000 over 20 years. Here is how to get the best rate.

Bloemfontein Property Market Update 2026

Market News

5 min read·07 Apr 2026

Bloemfontein Property Market Update 2026

Bloemfontein is one of South Africa's most affordable cities for property in 2026, with strong first-time buyer demand, rising prices and real opportunities for buyers who move early. Here is what the data shows.

Joint Home Loans in South Africa: How Applying Together Changes Everything

Home Loan Tips

5 min read·25 Mar 2026

Joint Home Loans in South Africa: How Applying Together Changes Everything

Applying for a home loan with a partner can increase your borrowing power by up to 30%, improve your approval chances and help you buy a better property sooner. Here is everything you need to know about joint bonds.

How to Access Equity in Your Home: Further Loans and Bond Switches Explained

Home Loan Tips

5 min read·18 Mar 2026

How to Access Equity in Your Home: Further Loans and Bond Switches Explained

If you own property and have been paying your bond for several years, you may have built up significant equity. Here is how to access it, what it costs and when it makes financial sense to do so.

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Home Loan Guides

What Is a Bond Originator and Why You Need One

How to Improve Your Home Loan Approval Chances in South Africa

Conveyancing in South Africa Explained: What Happens Between Offer and Transfer

Home Loans for Self-Employed People in South Africa: What You Need to Qualify

FLISP: The Government Subsidy First-Time Buyers Often Miss

Home Loan Declined? Here Is What to Do Next in South Africa

Buying a New Development Property in South Africa: What You Need to Know

Buying vs Renting in South Africa in 2026: An Honest Comparison

Home Loan Interest Rates in South Africa: How to Get the Best Rate in 2026

Bloemfontein Property Market Update 2026

Joint Home Loans in South Africa: How Applying Together Changes Everything

How to Access Equity in Your Home: Further Loans and Bond Switches Explained

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