MultiNET Home Loans | February 2026

MultiNET Home Loans’ January 2026 market data show renewed momentum in South Africa’s residential property sector, with first-time buyers driving early-year activity.

Improved lending conditions, stabilising interest rates, and stronger bank competition are creating a more accessible environment for home buyers — particularly those entering the market for the first time.

First-time buyers now represent a growing share of applications, reflecting rising confidence and improved affordability. Banks are showing greater appetite to fund these transactions, offering competitive pricing and higher loan-to-value approvals. This has reduced deposit barriers and made property ownership more achievable for many South Africans.

At the same time, established buyers remain active, with steady purchase activity across mid-market segments. The overall pipeline of applications remains healthy, signalling sustained demand despite broader economic pressures. Perhaps most significantly, banks are competing more aggressively on interest rates. This is translating into improved outcomes for clients who use independent bond originators to negotiate across multiple lenders.

“The data confirms that confidence is gradually returning to the housing market,” says Shaun Rademeyer, CEO of MultiNET Home Loans. “When banks compete, consumers benefit — and we’re seeing that play out in real time. “With lending conditions improving and rate stability expected to continue, MultiNET anticipates that 2026 could mark the beginning of a measured but sustained property cycle recovery.

For estate agents and buyers navigating this renewed market momentum, the advantage lies in working with a partner that understands how to unlock bank competition effectively. As South Africa’s only independent bond originator, MultiNET Home Loans leverages its national footprint and strong banking relationships to secure optimal outcomes for clients — often reducing costs and improving approval structures. In a recovering market, having the right origination partner can make the difference between a good deal and a great one.

In a recovering market, informed decisions matter. Connect with MultiNET Home Loans for expert guidance and access to competitive lending solutions tailored to your needs.

0861 54 54 44 | WA 061 537 8778
www.multinet.co.za | info@multinet.co.za