How old can you be to get a home loan in South Africa.
In this episode, we explore age limits when applying for a bond in South Africa. Can you still get a bond at 70? How do the banks view applications from people nearing retirement? We break down how Absa, Nedbank, Standard Bank and FNB approach late-stage bond applications, including maximum repayment ages and loan terms.Whether you are planning your retirement, looking for a property investment, or simply curious about bond options later in life, this short episode gives you a clear understanding of what to expect and how to prepare.Remember, while the banks generally require bonds to be fully repaid by the age of 75, you may still apply later in life if you can show the ability to repay.Like, subscribe and hit the notification bell to stay up to date with our latest episodes.In this episode:00:00 Introduction00:39 How banks view age limits for bonds01:38 Bank policies03:11 Why people over 65 still apply04:57 Affordability after retirement06:53 Final answer#BondApplication #PropertyInvestment #BondTips #FinancialPlanningSA #RetirementPlanning #SouthAfricaPropertySubscribe to us on your favourite podcast platform : Youtube: http://youtube.com/@propertycornerzaSpotify: https://shorturl.at/horJTApple Podcasts: https://shorturl.at/alFG7
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What qualifies as Income for a Mortgage Bond | South African Real Estate
Not all income is seen the same way by the banks. In this episode we explain how banks view different income sources when calculating affordability.We cover salaries, wages, overtime, commissions, shift allowances, bonuses, rental income, maintenance, and even investment income. Each bank applies its own rules and percentages, which means not all of your earnings may count in full.We also highlight what proof you need, why consistency matters, and how a mortgage originator can help match your income to the right bank.If you are applying for your first bond or growing a property portfolio, this guide will help you understand exactly what counts as income.In this episode:00:00 Introduction00:44 Salaried Income Earner01:42 Wage Earner03:13 Overtime04:20 Commissions06:44 Shift Allowances07:18 Investment Income08:06 Bonuses09:21 Maintenance (Child Support)10:53 Rental Income13:36 Side Hustles#BondApplication #PropertyInvestingSA #HomeLoanTips #MortgageAdvice #SouthAfricaRealEstateSubscribe to us on your favourite podcast platform : Youtube: http://youtube.com/@propertycornerzaSpotify: https://shorturl.at/horJTApple Podcasts: https://shorturl.at/alFG7
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Why You Shouldn’t Buy Property Cash
Should you buy property cash or finance it with a bond? In this video I unpack why using finance strategically can be more powerful than going debt free, whether you are an owner-occupier or an investor.We look at cash flow protection, the psychology of having a mortgage bond accessible, and how to safeguard yourself against life’s uncertainties. For investors, I explain the benefits of tax-deductibility on interest, scalability of your portfolio, and the control and flexibility that leverage provides.I also address common objections such as:“I simply hate debt”“What if interest rates go up”“Cash feels safer”“I want to own my home outright”Finally, I share four practical tips for using bonds wisely so you can grow your wealth and build financial resilience.If you are interested in South African property investment, mortgage strategies, or want to know why it makes sense to use a bond instead of paying cash, this episode is for youIn this episode:00:27 In the case of owner-occupier.06:37 In the case of investor.11:31 Common objections for using bonds.13:52 Four tips for using bonds smartly15:49 Visual Representation#CashVsBond #FinanceStrategy #PropertyInvestment #MortgageTips #WealthBuildingSubscribe to us on your favourite podcast platform : Youtube: http://youtube.com/@propertycornerzaSpotify: https://shorturl.at/horJTApple Podcasts: https://shorturl.at/alFG7
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Cashflow vs Capital Growth. Build a Property Portfolio That Lasts
Everyone on social media is talking about cash flow when it comes to property investment, but is that really all there is to it? In the latest episode, we take a practical look at why cash flow is just one piece of the puzzle when building a sustainable property portfolio in South Africa.I share a full three phase strategy that I use in my own investments, client recommendations and partnerships. We cover everything from capital appreciation and cash flow to affordability limits, exit strategies, and when to sell or hold on to your properties.Whether you're just getting started or already have a few properties under your belt, this blueprint will help you map out your journey with purpose and clarity.What you’ll learn:● Why your end goal matters more than your first property● How to structure your portfolio through three clear phases● When to focus on capital growth versus cash flow● How to avoid investor fatigue and stagnation● Tips for reducing risk and increasing passive income long termThis is for anyone serious about building lasting wealth through property in South Africa. No fluff, no course sales. Just real experience and real strategy.Remember to like, subscribe and share if this helped you.In this episode:00:00 Introduction00:16 Cash flow is not the dominant factor01:18 Why are you investing in property?02:46 Tailored strategy approach03:38 Inception phase04:50 Inception phase strategic tips05:25 Inception phase warnings05:36 Expansion phase07:59 Expansion phase strategic tips10:11 Maturity phase13:17 Maturity phase strategic tips14:20 Sustainable property portfolio blueprint table14:45 Cash flow properties limitations & risks18:59 Think long term & get started#PropertyInvestment #CashFlowVsCapitalGrowth #PropertyPortfolio #WealthBuilding #PassiveIncomeSubscribe to us on your favourite podcast platform : Youtube: http://youtube.com/@propertycornerzaSpotify: https://shorturl.at/horJTApple Podcasts: https://shorturl.at/alFG7
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5 Reasons why people are moving to Cape Towns Northern Suburbs
Thinking of moving to Cape Town’s Northern Suburbs? Here’s why so many already have.From Brackenfell to Durbanville and Kuils River, the Northern Suburbs are fast becoming some of the most popular places to live in Cape Town. In this video, we break down the top five reasons more people are choosing to leave the city centre and head north.We look at real sales data, lifestyle benefits and why these suburbs are ideal for families, first-time buyers and investors.● Get more home for your money● Access excellent public and private schools● Enjoy nature trails, parks and weekend wine trips● Benefit from modern infrastructure and smart new estatesWhether you're buying your first home, upgrading or investing, this episode gives you a clear view of what the Northern Suburbs have to offer.Ready to make a move?Get in touch with Alexander Swart Property Group on 021 981 1307, your local experts in the Northern Suburbs of Cape Town.YouTube channels content used:● @peterchongair ➡️ https://www.youtube.com/@UCFQlWPoGFAV-gDjtTWio1SA ● @WarrenMelissaGoRiding ➡️ https://www.youtube.com/@UCz7xaKjtamggJK8YnkhLqrg In this episode:00:00 Introduction00:25 Highest turnover areas at the moment01:20 Reason 102:57 Reason 203:52 Reason 304:19 Reason 404:54 Reason 505:43 Reach out to us#propertyinvestment #suburbanlife #capetownrealestate #familyfriendlyliving #capetownlife Subscribe to us on your favourite podcast platform : Youtube: http://youtube.com/@propertycornerzaSpotify: https://shorturl.at/horJTApple Podcasts: https://shorturl.at/alFG7
Welcome to The Property Corner with Rowan Alexander, Founder and Director of Alexander Swart Property Group. In this podcast series, Rowan takes a deep dive into the South African property market and shares his expertise, insights and knowledge with listeners.
Through his extensive experience in the industry, Rowan provides valuable information on a wide range of topics related to the South African property market, including market trends, property investment opportunities, the buying and selling process, and much more.
Listen to The Property Corner with Rowan Alexander, The Diary Of A CEO with Steven Bartlett and many other podcasts from around the world with the radio.net app
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