Trust vs Company vs Joint Ownership in South Africa
Joint property ownership is becoming more popular in South Africa, but many buyers still feel unsure about the best way to structure it. Should you buy in your own names? Form a company? Or go the trust route?In this episode we break each option down in plain language. We cover everything from decision making powers to bond approvals to liability risks. You will also hear how I personally use all three structures for different purposes in my portfolio.If you have ever wondered what really happens when co owners cannot agree, when someone stops paying or when a partner passes away, this video will give you the clarity you need.Drop your questions in the comments so we can explore more of these topics in future episodes. Like, subscribe and hit the bell to stay connected with The Property Corner community.In this episode:00:00 Introduction01:23 Overview of the Three Ownership Options06:08 Joint Ownership in Personal Names09:54 Buying Property Through a Company16:09 Buying Property Through a Trust19:18 Comparison Cheat Sheet22:01 Real Life Scenarios26:58 How I Personally Use All Three Structures31:17 Key Considerations Before Choosing Your Structure#PropertyOwnership #PropertyEducation #PropertyInvestment #RealEstateSA #WealthBuildingSA
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Can You Really Find a Cash Flow Positive Property in Cape Town? | Let’s See How Close You Can Get
Can you really find a cash flow positive property in Cape Town? In this episode, I break down what it takes to get as close as possible to a property that covers its costs from day one. Using a real example from Belladonna Estate, I explore the shortfalls, breakeven points, and repayment strategies that matter for long-term investors.In this episode:00:00 Introduction01:32 What is a cash flow positive property?02:20 An example (Belladonna Estate)05:03 The figures07:14 Reinvesting additional income into the bondWatch, learn, and subscribe to The Property Corner on YouTube for more South African property insights and real examples from the market.#PropertyInvestment #CashFlowPositive #CapeTownProperty #RealEstateInvesting #SouthAfricanProperty
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Do You Really Need a Deposit to Buy Property? | Why Putting Down a Deposit Matters
Thinking of buying your first home? In this episode of The Property Corner, Jason Blight from Alexander Swart Property Group shares expert advice on whether you really need a deposit when buying property.With 17 years of experience in the northern suburbs of Cape Town, Jason explains how a deposit can help your offer stand out, build trust with sellers and banks, and even save you thousands over the long term.If you’re a first-time buyer, this video is packed with insights to help you make informed decisions and get ready for your first property purchase.Leave your questions in the comments and subscribe for more property tips.In this episode:00:00 Introduction00:54 The Seller’s Perspective01:38 Long-Term Savings02:24 Start Saving Now03:16 Is My Deposit at Risk?#FirstTimeHomeBuyer #PropertyAdvice #PropertyTips #RealEstateSouthAfrica #HomeOwnership
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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
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.
South Africa