De Mink Property Finance

Cape based expert mortgage originators with national reach

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      • Liz de Mink – Owner and Senior Consultant
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What homebuyers should be thinking about

Featuredby Liz de Mink Leave a comment

In recent months, interest rates have gradually begun rising and homebuyers are starting to wonder whether it is still worth investing in property as living and borrowing costs climb. Today, […]

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Property Finance Advice

Coronavirus financial troubles? Don’t wait to contact your bank!

Featuredby Liz de Mink Leave a comment

Critical advice regarding home loan payment holidays and what’s happening with property sales during lockdown

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Property Finance Advice, Property Finance News, The Future of Home Loans, Useful Information

STOP ACTING RICH AND START PLANNING FOR REAL WEALTH

Featuredby Liz de Mink Leave a comment

Not all credit is created equal! Home loans can be used to build wealth other types of credit? Not so much…

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Property Finance Advice

Marriage Law in South Africa

Featuredby Liz de Mink Leave a comment

Contract law, financial planning and talks about money: where romance goes to die. Still, it is wise to discuss these things before tying the knot!

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Legal Advice

Capital Gains Tax and your property plans

Featuredby Contributor Leave a comment

You might never have to pay Capital Gains Tax but if you ever do it sucks!

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Useful Information

Keep that credit history clean!

Featuredby Liz de Mink Leave a comment

Late and failed payments might cost you BIG in the future.

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Property Finance Advice

Debt Traps

Featuredby Contributor Leave a comment

While owing money is never great not all debts are created equal.

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Property Finance Advice

Freelancers and Home Loans

Featuredby Contributor Leave a comment

Freelancers have to jump through a number of hoops when applying for a home loan. We can help make the process as quick and painless as possible!

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Property Finance Advice, Useful Information

Gain financial flexibility and safety from your home loan.

Featuredby Liz de Mink Leave a comment

A home loan, when used wisely and when well-managed, can be considered a ‘good debt’ that can not only save you money but grow your wealth too…

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Property Finance Advice

DO YOU NEED INSURANCE WHEN APPLYING FOR A HOME LOAN?

Featuredby Liz de Mink Leave a comment

Insurance is an important investment and can keep your investment safe and debt at bay!

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Q & A, Useful Information

The Property Games: The 72-Hour Notice Clause

Featuredby Liz de Mink Leave a comment

Thinking about buying a property in Cape Town? Well, it’s getting pretty crazy out there…read this article and save yourself some heartache in the future!

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Useful Information

Turn your home loan into a piggy-bank. Say what?!

Featuredby Liz de Mink Leave a comment

Clients are often perplexed by the access facility. Hopefully this post will clear a few things up…

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Property Finance Advice

Don’t fix it if it ain’t broke

Featuredby Contributor Leave a comment

Many people get nervous when they see rate increases. They look for security and constancy in fixed rates. But they do so at a cost!

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Property Finance Advice

How much does it really cost to buy a home?

Featuredby Liz de Mink Leave a comment

Beyond the money you need for the purchase and home loan repayment there are significant costs when buying a home.

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Property Finance Advice

May 2014 Rates Watch – OUR PREDICTIONS

Featuredby Contributor Leave a comment

Interest Rate increase in May? Find out what we think!

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Interest Rates Watch

Standard Bank Home Loans: thinking outside the box?

Featuredby Contributor Leave a comment

Members of our team attended Standard Bank’s Property Breakfast and took a look behind the curtain to see what Standard Bank’s policies are based on

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Standard Bank, The Future of Home Loans

The ‘loan term’: time can be on your side

Featuredby Liz de Mink Leave a comment

We explain why a 30 year term is not something to be worried about!

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Property Finance Advice, Q & A

Our 2014 South African Home Loan and Property Prognostications

Featuredby Contributor Leave a comment

Our look at the property market and mortgages in 2014

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The Future of Home Loans

SELF-EMPLOYED? WHY FNB MAY NOT BE HELPING YOU…

Featuredby Liz de Mink 2 Comments

Self-employed clients must now deal directly with FNB when applying for a home loan. Find out why this is a very bad idea…

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FNB

Q&A: HOW DO I PAY MY HOME LOAN OFF FASTER?

Featuredby Liz de Mink Leave a comment

Liz answers a reader’s question about the best loan repayment strategies

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Q & A

DO YOU KNOW YOUR CREDIT PROFILE?

Featuredby Liz de Mink Leave a comment

Your Credit History is fundamental to your future financial success and should be well maintained.

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Property Finance Advice

SIMPLE WAYS TO CUT THE COST OF YOUR HOME LOAN

Featuredby Liz de Mink Leave a comment

Slash your home loan term and the total you repay with these simple tips

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Useful Information

THE (UNDENIABLE) IMPORTANCE OF AN ACCURATE OFFER TO PURCHASE

Featuredby Liz de Mink Leave a comment

To avoid complications and delays in the sale and transfer of a property we advise sellers, purchasers and agents to double check the information they provide on the Offer to Purchase.

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Useful Information

Your Will – The most important document you will ever sign

Featuredby Contributor Leave a comment

Thinking about dying and death puts many people off drawing up a will. This is unwise as a will is incredibly important. Jason de Mink explains why.

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Legal Advice

Trouble ahead? South Africa’s next Credit Amnesty.

Featuredby Liz de Mink Leave a comment

Government hopes the new Credit Amnesty will be a boon but the banks say it will be lead to a credit crisis. Find out why.

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The Future of Home Loans

Historical Interest Rates in South Africa

April 7, 2022by Liz de Mink Leave a comment

Think the rate is high now? Look at the 80s and late 90s!

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Uncategorized

Rates are rising but optimism doesn’t have to drop

April 7, 2022by Liz de Mink Leave a comment

In line with economists’ and industry experts’ recent forecasts, today’s second interest-rate decision of the year by the SA Reserve Bank Monetary Policy Committee, has seen the prime interest rate […]

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Uncategorized

SARB increases rate again. Prime at 7.5%

January 30, 2022by Liz de Mink Leave a comment
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Uncategorized

Interest rates at historic lows! Historic opportunity?

May 20, 2021by Contributor Leave a comment

Prime lending is at its lowest level since 1964. If you can afford to service a loan now might be the best time to buy a house…

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Uncategorized

Locked down, but not locked out – property market recovering

June 19, 2020by Contributor Leave a comment

Signs point to swift recovery in South African residential property sales.

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The Future of Home Loans, Useful Information

Drop in interest rate a welcome surprise

April 15, 2020by Liz de Mink Leave a comment

Originally published by our partner, Mortgage Max. Along with many South Africans, MortgageMax has been pleasantly surprised at the Reserve Bank Monetary Policy Committee’s decision to cut the repo rate […]

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Interest Rates Watch

Quick word on the recent budget speech

February 27, 2020by Liz de Mink Leave a comment

There was some encouraging news for the property sector in today’s Budget speech by Finance Minister Tito Mboweni, which addressed some of the major issues that are putting the brakes […]

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Interest Rates Watch, Property Finance Advice, The Future of Home Loans

HOW TO BEEF UP YOUR SECURITY THIS HOLIDAY SEASON

December 17, 2019by Liz de Mink Leave a comment

Criminals never seem to sleep or take holidays – and certainly not during the festive season when there is a prospect of rich pickings from homes left empty and unprotected […]

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Property Finance Advice, Useful Information

GOT BOND PRE-APPROVAL? HERE’S HOW TO KEEP IT

November 21, 2019by Liz de Mink Leave a comment

A mortgage originator can give you a pretty good idea of what you can afford before you start house hunting. But how can you be sure that the information is relatively accurate weeks (or months) later?

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Useful Information

SHARING REQUIRES A LOT OF CARING

August 20, 2019by Liz de Mink Leave a comment

Buying with a friend can be a great idea but have you thought it through?

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Property Finance Advice, Useful Information

Rates on hold. Time to buy before the election?

March 30, 2019by Contributor Leave a comment

Taken from the Mortgage Max newsletter of 29 March 2019. The Monetary Policy Committee (MPC) of the Reserve Bank has once again decided to leave South Africa’s repo rate unchanged […]

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Interest Rates Watch, Uncategorized

FNB RATE DECISION PREDICTION

November 22, 2018by Contributor Leave a comment

Will the SARB keep rates on hold until next year? Find out what FNB thinks and why…

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FNB, Interest Rates Watch

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Past Posts:

Our Posts

  • Bank Watch
    • ABSA
    • FNB
    • Standard Bank
  • Interest Rates Watch
  • Legal Advice
  • Property Finance Advice
  • Property Finance News
  • The Future of Home Loans
  • Uncategorized
  • Useful Information
    • Q & A

Recent Posts

  • What homebuyers should be thinking about
  • Historical Interest Rates in South Africa
  • Rates are rising but optimism doesn’t have to drop
  • SARB increases rate again. Prime at 7.5%
  • Interest rates at historic lows! Historic opportunity?

RSS Money Web

  • Market Watcher: Naspers steals the show
    Gary Booysen of Rand Swiss looks at why the market reacted so positively to the news from Naspers and Prosus, banks being under pressure, and CA Sales listing on the JSE.
  • Dié 18-jarige wil indringerplante gebruik om varsprodukte langer vars te hou
    Nicolaas Moolman – Graad 12 leerder, Hoërskool Volksrust.
  • PPC vra vir beskerming teen ingevoerde sement
    Roland van Wijnen – uitvoerende hoof, PPC.
  • Die eerste Suid-Afrikaanse maatskappy noteer op die JSE in meer as twee jaar
    Frans Reichert – finansiele hoof, CA Sales Holdings.
  • Hoe het die Gupta’s se R8,8 miljard deur die SA finansiële stelsel gevloei?
    Pieter Smit - uitvoerende bestuurder, FIC.

Archives

Disclaimer

We are expert South African Property Finance Professionals.

While every measure has been taken to provide readers with the most accurate information and honest analysis, it must be stated that the changing nature of finance and banking in South Africa as well as the unique circumstances of any individual applicant mean that not all information supplied can be used by all readers and the accuracy of information is only guaranteed at the time of writing, not reading.

Please use your discretion before taking any decisions based on the information provided and, better yet, contact us with questions and queries. Our services are free and we will provide you with the most up to date information available. We would love to assist you.

De Mink Property Finance Consultants will not compensate you in any way whatsoever if you ever happen to suffer a loss/inconvenience/damage because of/while making use of information in this blog.

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