In House Bond Brokers

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In House Bond Brokers In House Bond Brokers- "We are properly passionate about property"

Bond Origination specialising in self employed applications

∙∙Some of life’s biggest decisions start over a cup of coffee. ∙∙A coffee catch-up can become a conversation about your ...
01/10/2026

∙∙Some of life’s biggest decisions start over a cup of coffee. ∙∙

A coffee catch-up can become a conversation about your next move, your first home, a bigger space for the family or an investment you have been considering. And while property decisions deserve more than a quick chat over coffee, every journey starts somewhere.

This International Coffee Day, we are celebrating the conversations that turn ideas into plans, and plans into keys.
Sometimes, “just coffee” is where the next chapter begins.

Happy International Coffee Day. ☕

∙∙ Why do foreigners only receive 50% bond finance in South Africa?∙∙If you are a foreign national or non-resident looki...
28/09/2026

∙∙ Why do foreigners only receive 50% bond finance in South Africa?∙∙

If you are a foreign national or non-resident looking to buy property in South Africa, banks will require a 50% deposit.

But why? It comes down to Exchange Control. Non-resident property transactions must comply with South Africa's exchange control requirements, and banks will require the deposit to originate from foreign funds transferred into South Africa.

When a bank finances a South African resident, it can assess their financial position, income, credit history and financial activity within the local banking system.

For a non-resident, there is an additional layer of complexity. Your income and financial interests may be based outside South Africa, and the bank is lending across international borders.

A larger deposit reduces the bank's exposure and provides greater security against the property being financed.

What does this mean in practice?
If you are purchasing a property for R4 million, a 50% financing structure means:

R2 million - your deposit
R2 million - home loan finance

The exact amount you may qualify for depends on the lender, your circumstances, income, financial position, and the applicable exchange control requirements. Buying property in South Africa as a foreign national does not have to be complicated - but it does require proper planning before you make an offer.

We understand the additional considerations involved in securing property finance as a foreign buyer.
Planning to purchase property in South Africa from abroad? 📧 [email protected] 🌐 www.ihbb.co.za

∙∙ More than a place. A legacy. ∙∙A home is more than bricks, walls and a title deed. It is where traditions are carried...
24/09/2026

∙∙ More than a place. A legacy. ∙∙

A home is more than bricks, walls and a title deed. It is where traditions are carried forward, where families gather, where milestones are celebrated and where memories become part of the story we leave behind.

This Heritage Day, we celebrate the diverse people, cultures and stories that make South Africa home. We understand that buying a home is not simply a financial decision. It is an investment in belonging, in family and in the future.

Here’s to the homes we have inherited, the homes we are building and the legacy we leave behind.
Happy Heritage Day, South Africa.

∙∙What does the latest interest rate hike mean for property buyers?∙∙The South African Reserve Bank has raised the polic...
24/09/2026

∙∙What does the latest interest rate hike mean for property buyers?∙∙

The South African Reserve Bank has raised the policy rate by 25 basis points to 7.25%, effective 25 September 2026. With the standard 3.5 percentage-point spread, the prime lending rate will move to 10.75%.

For homeowners and prospective buyers, even a small movement in interest rates can have a meaningful impact on monthly bond repayments. For example, on a R2 million bond over 20 years, an increase from 10.50% to 10.75% would take the estimated monthly repayment from approximately R19,968 to R20,305 - an increase of around R337 per month.

This is an important consideration when assessing property affordability. The purchase price is only one part of the equation. Interest rates, monthly repayments and the long-term cost of finance all play a role in determining what is financially sustainable.

Make your next property decision with the numbers in mind.

∙∙FAQ FRIDAY | How do exchange control rules affect my property purchase? ∙∙If you live abroad and are purchasing proper...
11/09/2026

∙∙FAQ FRIDAY | How do exchange control rules affect my property purchase? ∙∙

If you live abroad and are purchasing property in South Africa, exchange control requirements are an important part of the process. You will need to consider:

Bringing funds into South Africa: Understanding how your purchase funds are transferred into the country and ensuring the transaction is properly documented.

Registering the funds with the South African Reserve Bank: Correct documentation and records will be important in establishing the source and movement of your funds.

Repatriating your funds later: If you decide to sell the property in the future, having the appropriate records in place will be important when transferring your investment proceeds out of South Africa.

These requirements can feel complicated, particularly when a property purchase involves multiple jurisdictions.
The important thing is to understand the requirements before transferring funds or committing to the purchase.

Buying property from abroad? Ask the questions before you move the money.
📧 [email protected] 🌐 www.ihbb.co.za

∙∙Your accountant and bond broker should be on the same team.∙∙When you are preparing to apply for a home loan, your fin...
09/09/2026

∙∙Your accountant and bond broker should be on the same team.∙∙

When you are preparing to apply for a home loan, your financial records tell a story.

And a well-prepared financial profile can do more than satisfy tax requirements. It can also give lenders a clearer picture of your income, financial position and ability to afford the loan.

That is why the conversation between your accountant and bond broker matters.
Your accountant understands the detail behind your financial records.

Your bond broker understands what lenders need to assess your application.

When those two perspectives work together, your financial information can be presented with greater clarity, and your application can be approached strategically from the outset. Securing a home loan is not only about earning enough. It is about making sure your financial position is clearly understood.

📧 [email protected] 🌐 www.ihbb.co.za

∙∙ What documents do I need for a bond application? ∙∙Thinking about buying your next home? Before you start the bond ap...
04/09/2026

∙∙ What documents do I need for a bond application? ∙∙

Thinking about buying your next home? Before you start the bond application process, it is worth getting your paperwork in order.
For most salaried South African residents, you will typically need:

• Proof of income – recent payslips or other proof of earnings.
• A copy of your South African identity document.
• Recent bank statements (3-6 months).
• Your income tax number.
• Proof of employment or your employment contract.
• Additional financial documents, depending on your circumstances.

If you are self-employed, the bank will require additional financial information, such as business financial statements and supporting documents for company registration (CIPC, etc). Having your documents ready can make the application process more straightforward and give the bank the information it needs to assess your application.

A little preparation now can make the journey to your new home that much smoother.

∙∙Spring has arrived ∙∙A new season is here, and we are stepping into it with gratitude for the people who make what we ...
01/09/2026

∙∙Spring has arrived ∙∙

A new season is here, and we are stepping into it with gratitude for the people who make what we do so rewarding. Jurene and Marise were recently surprised with these beautiful flowers from a client - a thoughtful gesture equal to the joy of negotiating the best deal for our clients!

At In House Bond Brokers, we believe that securing property finance should be a considered process, with experienced professionals who understand the importance of getting the details right.

Here’s to a season of fresh opportunities, new property journeys and many more milestones worth celebrating.

∙∙Buying property through your Business or personally? ∙∙It is one of those questions that sounds simple… until you star...
31/08/2026

∙∙Buying property through your Business or personally? ∙∙

It is one of those questions that sounds simple… until you start looking at the details.
Buying a property in your personal capacity or through a business can have very different financial, legal and tax implications.

The right choice depends on what you are buying the property for, how you plan to use it, your long-term goals and your overall financial position. There is no one-size-fits-all answer.

Before you sign an offer to purchase, it is worth understanding which ownership structure makes the most sense for you, not just today, but in the years ahead. Let us find the bond that suits your needs best.

📧 [email protected] 🌐 www.ihbb.co.za

∙∙ Facing the numbers when you are a foreigner ∙∙Buying property in South Africa as a non-resident is possible, but fina...
14/08/2026

∙∙ Facing the numbers when you are a foreigner ∙∙

Buying property in South Africa as a non-resident is possible, but financing works differently from that of South African residents.

Here is what you need to know:
Non-residents are typically able to obtain financing of up to 50% of the property's purchase price, meaning a deposit of approximately 50% is generally required.

Temporary residents who hold valid long-term work, business or critical skills visas may qualify for a higher loan-to-value ratio, depending on their individual circumstances, the lending bank's policies and their financial profile. In some cases, banks may finance significantly more than 50% of the purchase price.

Banks assess each application individually and will consider factors such as:
• The applicant's visa or residency status.
• Income and affordability.
• Credit profile.
• The value and type of property being purchased.
• Compliance with the Financial Intelligence Centre Act requirements and other regulatory requirements.

Every application is unique, and lending decisions vary between financial institutions.

At In House Bond Brokers, we guide buyers through the home loan application process and work with multiple banks to secure the most suitable financing solution for their circumstances.

Address

Claremont
7708

Opening Hours

Monday 09:00 - 17:00
Tuesday 08:30 - 17:00
Wednesday 08:30 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 16:00

Telephone

+27213005392

Website

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