Whether you’re a first-time buyer looking for a charming city apartment to start your journey, a growing family in need of a spacious home with room for the kids to play, or you’re in search of the perfect holiday retreat, our diverse property listings cater to all types of buyers.
South Africa’s varied landscape has something for every lifestyle—whether it’s lively coastal towns with bustling nightlife and ocean views or peaceful countryside escapes for those seeking serenity. Our intuitive search filters let you refine your options by location, property type (from apartments and golf estates to clusters and penthouses), must-have features (like a home office or flatlet), number of bedrooms, and, of course, budget.
At WE R PR1ME Real Estate, we understand that securing a home loan can be one of the most daunting aspects of buying a property. That’s why we’re here to guide you every step of the way through the application process. Our team works closely with trusted financial partners to help you understand your options, assist with the paperwork, and ensure you have all the necessary documents to secure the best possible loan for your circumstances. Whether you’re a first-time buyer or looking to refinance, we’ll make the home loan journey as smooth and stress-free as possible, so you can focus on finding your perfect home.
If you’re considering a move anywhere across South Africa or beyond, it would be our privilege to help you achieve the best possible outcome, with expertise and dedication every step of the way.
Buying a home is one of life’s greatest and most rewarding
tasks, thus it is important that you understand the options available to you, as well as the entire process and what is involved.
Many lenders offer specialized home loan products designed specifically for first-time buyers. This means you can borrow more than 100% of the property’s value, allowing you to include additional costs like the deposit, transfer fees, and bond registration fees in your loan. This makes it easier and more affordable to step into homeownership for the first time.
At WE R PR1ME Real Estate, we believe that securing your dream home starts with understanding your financial options. That’s why we’ve partnered with Multinet Home Loans to help guide you through the home loan process with ease. Our goal is to ensure that you’re fully informed every step of the way, so you can make the right choice when applying for your home loan.
With Multinet Home Loans, you’ll have access to helpful tools like their pre-qualification affordability calculator, which makes it easy to see what type of property you can afford. Once you have an idea of your budget, we’ll work closely with you to find the perfect home and assist with arranging the ideal home loan for your needs.
For your convenience, you can also apply for your home loan online through Multinet Home Loans. Simply complete a straightforward application, and a member of their team will get in touch to guide you through the next steps at a time that works for you.
Your Real Estate Questions Answered: FAQs by WE R PR1ME Real Estate
Most lenders in South Africa typically require a minimum deposit of 10% of the property’s value. However, first-time homebuyers may qualify for a loan covering more than 100% of the property’s value, allowing you to include additional costs such as the deposit, transfer fees, and bond registration fees in your loan. Your eligibility for such loans will depend on your financial profile and creditworthiness.
To qualify for a home loan in South Africa, lenders generally consider your credit score, income, monthly expenses, and debt-to-income ratio. They will also assess the size of the loan relative to your ability to repay it. A good credit score, stable income, and a manageable debt load can increase your chances of approval. It’s a good idea to use pre-qualification tools like the affordability calculator provided by Multinet Home Loans to see how much you can afford before applying.
Yes, first-time homebuyers in South Africa can apply for a home loan. Many financial institutions offer special home loan products for first-time buyers, which may include higher loan-to-value ratios (above 100%) and more flexible terms. This can make it easier to purchase your first home, as you can include costs like the deposit and transfer fees in your loan. It’s recommended to consult with home loan experts like Multinet Home Loans to explore the best options for your situation.
The home loan approval process in South Africa typically takes between 7 to 14 business days, depending on the lender and the completeness of your application. During this time, the lender will assess your financial situation, including credit history, income, and expenses. In some cases, approval may be faster if all documents are submitted correctly and you meet the lender's requirements. Once approved, the final step involves signing the loan agreement and processing the funds for your property purchase.
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