What Credit Score Do You Need to Get a Home Loan?

Loading player...
When buying a home in South Africa, your credit score plays a bigger role than many people realise. It can influence whether your bond is approved, how much you can borrow, and the interest rate you’re offered.

In this episode, our AI hosts unpack what a credit score is, why banks care about it, and what score you generally need to qualify for a home loan, whether you’re a first-time buyer, upgrading, or investing in property.
9 Apr English South Africa Business · Home & Garden

Other recent episodes

Are you cut out for a career in real estate?

Thinking about becoming a real estate agent? It’s a rewarding career and takes more than a passion for property. In this episode, our hosts explore what it really takes to succeed in South African real estate, from the qualifications and PPRA requirements to resilience, financial discipline, and building lasting client…
25 Sep 3 min

A step-by-step guide to a property valuation

Thinking about selling your home or simply curious about what it's worth? In this episode, we break down how property valuations work in South Africa, the difference between an official valuation and a free market assessment, and the factors that influence your property's value.
18 Sep 3 min

House rules for keeping pets in South Africa

Got a furry friend at home? You're not alone, pet ownership is booming in South Africa! But before you let the zoomies take over, it’s good to know the rules. In this episode, we chat about what it takes to be a responsible (and compliant) pet owner, from avoiding fines…
23 Jan 6 min

Tenant eviction process in South Africa for landlords

Evicting a tenant is never easy, and in South Africa, there’s a legal process that every landlord must follow. In this episode, our AI host explains the lawful eviction process and how proper tenant screening can help you avoid costly disputes. Know your rights, follow the law, and protect your…
28 Aug 2 min

The Basics of Capital Gains Tax for Homeowners

Selling your home? Before you celebrate your profit, it’s worth understanding how Capital Gains Tax (CGT) works in South Africa. In this episode, our AI Host explains the primary residence exclusion, how to calculate your property's base cost, what expenses you can claim, and why rental properties, short-term letting income,…
14 Aug 3 min