Property Investing Blog South Africa | ZAHomes

Even the Woolies Card? Credit Score for a Home Loan in SA
7 6 min
credit recordhome loans+2

Even the Woolies Card? Credit Score for a Home Loan in SA

What credit score do you need for a home loan in South Africa? What the three digits decide, the three habits that move them, and what a company changes.

Michael Bowen
Michael Bowen
01/11/2026
Eish, Bank Said No? 5 Reasons Your Home Loan Was Declined
7 6 min
home loansaffordability+2

Eish, Bank Said No? 5 Reasons Your Home Loan Was Declined

Home loan declined in South Africa? Your salary is only one of five reasons. Here is what the banks look at, and the four you can fix before you apply again.

Michael Bowen
Michael Bowen
31/10/2026
Eish, Why Won't the Bank Give Me Another Bond?
8 5 min
second bondhome loan declined+2

Eish, Why Won't the Bank Give Me Another Bond?

Bank said "not yet" on your next property? Why investors hit the bond ceiling around property two or three, and what changes when a company buys.

Michael Bowen
Michael Bowen
24/10/2026
How Much Bond Can You Afford in South Africa?
9 5 min
home loansaffordability+2

How Much Bond Can You Afford in South Africa?

How much bond can you afford? Why banks generally cap repayments at about a third of gross income, what that ceiling means for investors, and how to work around it.

Michael Bowen
Michael Bowen
21/10/2026