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Phone us on 0860 00 66 22

The complete first-time home buyer’s guide

With this comprehensive guide, you’ll know exactly what to expect every step of the road that leads to your very own front door.

First time home buyer's guide

Buying your first home is one of the most momentous milestones in your life. But, as exciting as the prospect of becoming a homeowner is, there are a lot of things to consider, not least getting a bond in place so you can finance your dream home.

South Africa’s largest mortgage originator boasts a number of affordability testing tools, including the ooba Bond Indicator, an online pre-qualification service offered free of charge that now includes credit and income and expense analyses for enhanced accuracy.

Together with these tools, use this step-by-step guide especially designed to help first-time buyers get onto the property ladder.

Before you buy

  1. How to clear your credit record before applying for a bond
  2. How to buy a house with the help of property websites
  3. 10 reasons why you should use a real estate agent
  4. 10 tips for getting ahead of the house hunting pack
  5. How to evaluate schools when buying a new home

You’ve found your dream home

  1. The true cost of buying a house
  2. A bond originator’s guide to getting bond approval
  3. How to apply for a joint bond if you’re unmarried
  4. How to get a 100% bond – no deposit required
  5. ooba’s guide to getting a bond for the self-employed
  6. How to get a home loan if your bank declined your application

What happens next?

  1. Your bond has been registered. What happens next?
  2. The ins and outs of building loans
  3. Why access bonds are excellent savings vehicles
  4. Five ways to pay off your bond ahead of time
  5. Smart renovations that increase the value of your home

South Africa’s leading bond originator offers a range of home loan calculators to help people looking to buy a home determine what they can afford. Click here to access ooba’s free, online prequalification tool, the ooba Bond Indicator. Then, when you’re ready, you can get prequalified or apply for a home loan with ooba.

Get prequalified for a home loan today

DIY with our online prequalification tool, or speak to an expert.

Get Prequalified

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Effective 1 April 2018, by order of National Treasury, Value-Added Tax (VAT) will increase from 14% to 15%.

Please note that this increase will retroactively effect VAT-inclusive calculations in articles contained in our website.