Guides & insights
Plain-language guides to buying a home before it is built, and what the numbers say about the Cape Town market.
Finance & bonds
Banks do approve bonds for off-plan apartments, but the bond only starts at transfer, so you carry the interest-rate risk until then. Here is how it works, with repayments at prime 10.75% and the cost of a rise.
6 Nov 2026 · 8 min read
Buying off-plan
Foreigners and non-residents can buy off-plan in Cape Town. What changes is how the money comes in, how much a local bond can cover, how rent is taxed and what is withheld when you sell.
6 Nov 2026 · 10 min read
Buying off-plan
Check four things before you pay a deposit on a new development: NHBRC registration and enrolment, where the deposit goes, the company's record and the contract. Here is how, and what the NHBRC does not cover.
5 Nov 2026 · 10 min read
Costs & fees
New apartments from VAT-registered developers carry VAT in the price instead of transfer duty. Here are the conveyancing, Deeds Office and bond costs on top, worked out at R1.5m, R2.5m, R4m and R8m.
5 Nov 2026 · 8 min read
Buying off-plan
Buying off-plan in Cape Town runs from reservation and a signed offer to purchase, through construction, to sectional title transfer. Here is each step, what you pay and when, and what the law protects.
4 Nov 2026 · 8 min read
