The 5 Questions Every First-Time Buyer Must Ask Their Bank

Most first-time buyers walk into their bank unprepared — and walk out confused, overwhelmed, or worse, committed to terms they do not fully understand.

This free guide gives you the five questions that change that.

These are not generic questions. They are the specific questions that reveal how your bank calculated your bond amount, whether your interest rate is negotiable, what the real cost of buying actually is beyond the purchase price, whether you need a deposit at all, and exactly what you would need to change to get approved or get a better deal.

What is inside:

— The question that forces your bank to show you their affordability calculation

— The question most buyers never ask — that could save you R45,000 in interest

— How to find out your full buying cost before you make an offer on any property

— The truth about deposits and the government subsidy most South Africans never claim

— How to turn a rejection or a bad rate into a clear, actionable plan

Who this is for:

This guide is for any South African aged 25 to 35 who wants to buy their first home but is not sure where to start, what to ask, or whether they are actually ready. If you have ever felt like the property buying process was designed to confuse you — it was. This guide exists to fix that.

It is completely free.



Download it, save it to your phone, and bring it to your next bank appointment.

• Your first property is closer than they told you. — Zandi