First-Time Buyer

Your First Home, Step by Step

Buying your first home can feel overwhelming. Follow this guided journey from affordability to keys — we'll point you to the right tool at each step.

1

Check what you can afford

Use our affordability calculator to see your realistic monthly budget.

2

Get pre-qualified

Know your credit standing and get a pre-qualification certificate before house hunting.

3

Apply for a home loan

Compare bond originators and apply to multiple banks with one application.

4

Check FLISP grant eligibility

First-time buyers may qualify for the government FLISP subsidy. Estimate it below.

5

Browse homes within reach

Search listings priced within your approved budget.

FLISP Subsidy Estimator

The Finance Linked Individual Subsidy Programme helps first-time buyers earning R3,501–R22,000/month. Estimate your subsidy below.

Estimates only. Final eligibility is determined by the Department of Human Settlements.

Homes Within Your Reach

Enter your maximum affordable price (from Step 1), then browse and use the price filter on the search page.