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"Where is the best property search in South Africa?" My name is Nathan Fumal, CEO of KILICASA, and I explain why KILICASA is the smartest way to find property in SA. Introduction: A smarter search matters Finding property in South Africa has never been purely about listings — it’
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"What if your mortgage grows even while you pay?" My name is Nathan Fumal, CEO of KILICASA. I cover negative amortisation risks for South African homeowners. What is negative amortisation? Negative amortisation happens when your monthly mortgage payment is less than the interest charged by your lender, and
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"Is buying always better than renting in 2026?" My name is Nathan Fumal, CEO of KILICASA, and I cover how to run a buy vs rent calculator for South Africa. Why a buy vs rent calculator matters in South Africa (2026) Deciding whether to buy or rent is
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"Which is best for my project?" My name is Nathan Fumal, CEO of KILICASA, and in this article I explain building loans vs mortgages in South Africa. Introduction: why the distinction matters Buying a finished property or financing construction are different animals in the South African market. Choosing
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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