First-Time Home Buyer's Guide
Your comprehensive, step-by-step roadmap to purchasing your dream property in South Africa.
The Home Buying Process
Follow these steps to navigate your journey from searching to moving in.
Determine Your Budget
Calculate how much you can afford using our mortgage calculator and get pre-approved for a home loan.
Research Areas
Explore different neighborhoods, schools, amenities, and commute times to find the right location.
Find a Property
Browse listings on getaspot and schedule viewings for properties that meet your criteria.
Make an Offer
Submit an offer to purchase through your estate agent. Be prepared to negotiate.
Conduct Inspections
Hire professionals to inspect the property for structural issues, pests, and compliance.
Secure Financing
Finalize your home loan application and provide all required documentation to the bank.
Transfer Process
Work with a conveyancing attorney to complete the legal transfer of the property.
Move In
Once transfer is complete and keys are handed over, you're ready to move into your new home!
- Valid ID document
- Proof of income (latest payslips)
- Bank statements (last 3 months)
- Credit report
- Proof of residential address
- Tax returns (if self-employed)
- Transfer duty (0-13% of property value)
- Transfer fees (~R15,000 - R25,000)
- Bond registration fees (~R10,000 - R20,000)
- Property valuation (~R3,500 - R5,000)
- Home inspection (~R3,000 - R5,000)
- Moving & relocation costs
Ready to take the first step?
Start by figuring out your budget with our mortgage calculator, or begin browsing properties in your desired area.