Market news
Daily South African home loan and property market news — SARB rate decisions, prime and repo moves, house price data and bond cost updates, with every figure sourced and dated.
Market trends
11SA house price growth is 5.2% a year on FNB's June 2026 index (from 6.0% in Q1) and 8.2% on Stats SA's May 2026 index — easing, not falling. What the average growth rate means for buyers at 10.75% prime.
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Stats SA's May 2026 index shows SA house prices up 8.2% year on year, with Cape Town up 11.5%. What faster price growth means for buyers at 10.75% prime.
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FNB data shows buyers aged 56+ rose from 14% to 19% of purchases in a decade, with most downsizing. What the shift means for SA property and bonds today.
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Interest rates
30A R1.5 million home loan costs about R 15 228 a month over 20 years at 10.75% prime (SARB, 25 Sep 2026). Deposit, term and salary tables, plus what the September hike added.
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A R2 million home loan costs about R 20 305 a month over 20 years at 10.75% prime (SARB, 25 Sep 2026). Hold, hike and cut scenarios for the 19 November MPC.
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South Africa's inflation rate is 4.5% — the September 2026 CPI, published 21 October, below the 4.7% forecast. What it means for your bond at 10.75% prime, by bond.co.za.
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Location hotspots
2Hout Bay house prices are up about 141% in five years — from R3.53 million to R8.5 million (Propstats, October 2026). What still sells under R5 million, and what a bond there costs at today's rates.
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Western Cape-to-Gauteng relocations rose 58.6% in 2025, but Gauteng still lost more residents to the Western Cape than it gained. The sourced, dated numbers.
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Bank products
1Prime is 10.50% and the SARB decides again on 23 September. We weigh fixed vs variable home loans in South Africa — cost, risk and who each suits.
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First-time buyer
5How much deposit you need to buy a house in South Africa in October 2026: the 10% standard, 100% bonds, and what a deposit saves on a R1 million home at 10.75% prime — computed by bond.co.za.
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How much monthly salary banks want to see at 10.75% prime: a salary-to-bond table at the 30% affordability rule, worked out by bond.co.za for R500k to R3m bonds.
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South Africa's First Home Finance subsidy window closes at 17:00 today, 5 October 2026. What happens if you miss it, whether the subsidy must be repaid, and what to do right now.
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Investment
1Yes — SA banks will bond a rental property. How a buy-to-let bond differs from a primary-residence bond, what it costs at today's 10.75% prime rate, and what to check before you apply.
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Legislation
5The NCA-capped initiation fee, the monthly service fee, and who charges what between bank and attorneys — the full upfront cost stack on a R1.5 million purchase.
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The LSSA conveyancing fee guideline rose about 3.5% on 1 July 2026. What bond registration and transfer attorney fees now cost, bracket by bracket, versus 2025.
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Government Gazette No. 54225 reset Deeds Office fees on 1 April 2026. The new transfer and bond registration fee schedule, and what it adds on a typical bond.
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