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“Is now the right time to refinance?” My name is Nathan Fumal, I am the CEO of KILICASA, and in this article I cover: Refinancing your SA home loan in 2026. Introduction — why refinancing matters in 2026 South African interest-rate cycles, wage pressures and rising living costs make 2026 a
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"Should I buy property through a trust?" My name is Nathan Fumal, I am the CEO of KILICASA, and in this article I cover using a trust to buy property in South Africa. Introduction Trusts are widely used by South African investors and families for asset protection, estate
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“Buying a unit—how does a sectional title bond differ?” My name is Nathan Fumal, CEO of KILICASA, and I cover sectional title bond processes in South Africa. Introduction Sectional title properties (flats, townhouses, apartments) are a cornerstone of urban living in South Africa—from Sea Point and Clifton to
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"How will South Africa's inflation and the SARB repo rate in 2026 affect your mortgage or investment?" My name is Nathan Fumal, CEO of KILICASA, and in this article I cover how inflation and SARB decisions shape property finance and investor strategy. Why SARB decisions matter
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"What financing will protect my returns in 2026?" My name is Nathan Fumal, I am the CEO of KILICASA, and in this article I cover practical property financing strategies for South African investors in 2026, including interest-only bonds, access facility home loans, and leveraging equity. Introduction: Why financing
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"How much debt is too much when buying a home?" My name is Nathan Fumal, CEO of KILICASA, and I cover why the debt-to-income ratio matters for SA bond applicants. Introduction: Why DTI is the gatekeeper for your bond Lenders in South Africa use the debt-to-income ratio (DTI)
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"How much will transfer duty cost you?" My name is Nathan Fumal, CEO of KILICASA; I cover transfer duty South Africa 2026: what buyers pay and when. Why transfer duty matters for South African buyers in 2026 Transfer duty is a one‑off tax payable on property acquisitions
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"How will banks decide if I qualify for a bond in 2026?" My name is Nathan Fumal, CEO of KILICASA; I explain how SA banks assess bond applications in 2026. Introduction The rules for bond approval have evolved—tighter serviceability tests, more data-driven credit checks and growing scrutiny
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"Can your bond pay for itself?" My name is Nathan Fumal, CEO of KILICASA. I cover practical buy-to-let finance options and how to fund investment property in South Africa. Why buy-to-let finance in South Africa matters now Buy-to-let remains one of the most accessible ways for individuals to
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"Can I get government help to buy my first home in 2026?" My name is Nathan Fumal, CEO of KILICASA, and I cover FLISP 2026 requirements and how to apply. What is FLISP (First Home Finance subsidy)? The Finance-Linked Individual Subsidy Programme (FLISP) is a South African government
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"Can you still get a 100% home loan in 2026?" My name is Nathan Fumal, CEO of KILICASA. I cover zero-deposit bonds, bank lending criteria and buyer options in SA. What a "100% home loan" means in South Africa A 100% home loan (often called a
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"How will 2026 prime rate moves affect my bond?" My name is Nathan Fumal, CEO of KILICASA, and I cover how prime changes impact SA property buyers. What is the prime rate and why it matters to South African homebuyers The prime rate is the benchmark interest rate