READ: Top tips for buying your first home

David Jacobs, National Sales Manager for the Rawson Property Group, shares his expert advice to help you navigate the market effectively in 2025.

Understand the market before you act

Whether you’re buying or selling, Jacobs says the first step is understanding the current real estate landscape. Research your local market to identify average prices, demand trends, and stock availability, and don’t be afraid to mine your local real estate agents for on-the-ground insights and advice.

“For buyers, knowing the market helps you identify where the best value lies,” Jacobs explains. “Sellers, on the other hand, need to know how their property stacks up against similar homes to set a competitive asking price.”

Key factors like local infrastructure, school quality, and connectivity (such as fibre internet availability) can influence property desirability and pricing. 

READ: Selling: How to attract buyers for your home in 2025

Tips for Buyers

Set a Realistic Budget

Jacobs cautions against stretching beyond your means. “Establish a clear budget and stick to it,” he advises. Buyers should also account for additional costs like bond registration, transfer duties, and ongoing maintenance. 

Get Pre-Approved for a Mortgage

Pre-approval is a must for buyers in today’s competitive market. “Pre-approval not only shows sellers that you’re serious, but it also gives you a clear idea of what you can afford,” Jacobs says. “This will save you time and prevent disappointments during the buying process.”

Know What You Want

Having a clear idea of your priorities – whether it’s proximity to work, schools, or specific features like energy efficiency – will help narrow your options and make the decision-making process smoother.

Partner with a Trusted Agent

 “Working with a qualified real estate agent is invaluable,” Jacobs emphasises. “They know the market inside out and can guide you through negotiations, contracts, and the finer details of a transaction.”

READ | Looking for a home that ticks all your boxes? Try Property24 Alerts

Tips for Sellers

Prepare Your Property for Sale

First impressions matter. “Start by decluttering and deep cleaning your home,” Jacobs recommends. “Small upgrades like a fresh coat of paint or fixing minor repairs can make a big difference.”

Set a Realistic Price

Pricing your property correctly is crucial. An overpriced home can linger on the market, while under-pricing could leave money on the table. “Your agent can provide a comparative market analysis to ensure your price aligns with local trends,” Jacobs explains.

Stage Your Home

Staging can highlight your property’s best features and help potential buyers envision themselves living there. “Simple touches like neutral décor, good lighting, and a welcoming atmosphere can create a lasting impression,” Jacobs suggests.

READ: The role of property agents in effective home staging

Claude McKirby, Co-Principle for Lew Geffen Sotheby’s International Realty in Cape Town’s Southern Suburbs and False Bay, in a recent article shared some of the most important do’s and don’ts to guide homeowners, here is a look at those tips: 

Do’s of Home Staging

1. Declutter and Depersonalise: Remove personal items, family photos, and excessive decorations. This helps potential buyers envision their own belongings in the space. Less clutter makes rooms appear larger and more inviting.
2. Clean Thoroughly: A spotless home suggests that the property has been well-maintained. Pay attention to details, such as cleaning windows, carpets, and even the inside of appliances like ovens.
3. Neutralise Colour Schemes: If you are going to give the place a fresh coat of paint, use neutral colours for walls and remove any décor that is too bold or quirky. While bold colours may appeal to some, neutral tones have a broader appeal and create a blank canvas for buyers’ imaginations.
4. Highlight Key Features: Draw attention to the property’s best features, such as a fireplace, large windows, or hardwood floors. Use furniture and décor to frame and highlight these elements even if it means moving around some items to better highlight these features
5. Improve Kerb Appeal: The exterior of your home is the first thing buyers see. Ensure the lawn is mowed, hedges are trimmed, and the entrance is welcoming. Consider adding a fresh coat of paint to the front door and planting flowers or even placing attractive pot plants next to the entrance.
6. Create a Cohesive Style: If you are going to bring in furniture or décor to fill up empty spaces and improve the overall effect or semi-furnish an empty property, choose a consistent style for furniture and décor that complements the home’s architecture. This creates a harmonious look that is pleasing to the eye.
7. Light It Up: Ensure all rooms are well-lit. Open curtains and blinds to let in natural light and also use lamps and light fixtures to brighten darker areas. Good lighting makes spaces feel larger and more inviting.

Read: First-time homebuyers’ fears – how to overcome them

Be Open to Negotiation

Jacobs advises sellers to approach offers with an open mind. “The best deal isn’t always the highest price – it’s the one that aligns with your timeline and terms,” he says.

“The property market is dynamic, and those who do their homework and act strategically will always come out ahead,” he says. “Whether you’re buying or selling, the key is preparation and partnering with professionals who understand the market.” The road to a successful property transaction starts with the right strategy. Follow these tips, and you’ll be well-equipped to make informed decisions that lead to long-term success.

SEE | Property24 101 – Buyer and Seller specific advice 

Quay 1 International Realty, shares the following strategies. 

Make Extra Mortgage Payments: One of the most straightforward ways to build equity faster is by making extra payments toward your mortgage. Even small additional contributions can make a big difference in reducing your outstanding loan balance, which in turn increases your equity. Consider making an extra payment every year or paying more than the minimum each month to knock down the principal balance more quickly.

Refinance Your Mortgage: With the fluctuating interest rates in South Africa, refinancing could be a great option if rates are lower than when you originally bought your home. A lower interest rate could reduce your monthly payments, allowing you to pay off the principal faster. If you’re financially stable, consider refinancing to a shorter loan term, like a 15-year mortgage, to build equity at an even quicker pace.

Enhance Your Home’s Value with Localised Improvements: Investing in home improvements that resonate with the local market can significantly increase your home’s value. In the Western Cape, homes with energy-efficient upgrades are particularly appealing, given the region’s focus on sustainability. Installing solar panels, adding water-wise landscaping, or upgrading insulation can not only lower your utility bills but also boost your property’s A fresh coat of paint, especially in the trendy tones popular in Cape Town, can also add instant curb appeal.

Take Advantage of Rising Property Values: The Western Cape has seen steady property value increases in certain areas, especially those near the coast or in up-and-coming neighbourhoods. Keeping an eye on market trends can help you make informed decisions about when to refinance or In growing areas, the mere passage of time can contribute to natural appreciation, increasing your home equity without much effort.

Rent Out Space or Consider Short-Term Lets: With the booming tourism sector in Cape Town, renting out part of your home as a short-term let or even a long-term rental can generate extra income. 

By employing a mix of these strategies—making extra payments, refinancing, investing in localised improvements, leveraging market trends, and renting out space—you can significantly accelerate the growth of your home equity in the Western Cape. The key is to stay proactive and make strategic choices that align with both your current goals and future property aspirations.

READ: Understanding home equity and why it is important

Cobus Odendaal, CEO of Lew Geffen Sotheby’s International Realty in Johannesburg and Randburg recently explained why home equity is important.

Acts as a Source of Wealth and Financial Security

Home equity is a form of forced savings. As you pay off your bond, you’re essentially transferring your cash into home value, thereby helping you build wealth over time. For many, home equity is their largest financial asset, providing significant security in retirement or in times of financial need. Unlike many other investments, home equity is a tangible asset that can also increase in value over time, making it a key part of a long-term financial plan.

Access to Borrowing Options with Lower Interest Rates

One of the biggest advantages of home equity is that it can be used as collateral for loans. This affords you various borrowing options, often at lower interest rates than unsecured loans and can provide funds for larger expenses, but it’s important to borrow responsibly since these loans are secured by your home, meaning failure to repay could put your property at risk.

Helps with Retirement Planning

Home equity can be especially valuable in retirement planning. Some homeowners downsize by selling their property, buying a less expensive home, and using the proceeds for retirement income. Others may explore options like a reverse mortgage (home equity release loan), allowing them to access their equity without having to move. Home equity can be a reliable source of funds for those who wish to maintain a comfortable lifestyle during retirement without dipping into other investments.

READ: 8 security tips for your garage and garage door openers

“Investing in security features not only provides peace of mind and protects your loved ones and belongings, but it can also increase your home’s overall value. Buyers today prioritise safety, and a well-secured home with modern systems can be a strong selling point when listing your home,” says Adrian Goslett, Regional Director and CEO of RE/MAX of Southern Africa.

To help homeowners keep their properties safe this holiday season, RE/MAX of Southern Africa shares a few security tips.

Make Your Home Look Occupied

An empty home is an easy target for burglars. Use timers on lights, TVs, and radios to create the illusion that someone is home. Smart home systems allow you to control your lights and appliances remotely, adding an extra layer of convenience and security. Outdoor lighting can also deter intruders by eliminating dark corners and entry points. Install motion-activated lights around your home’s perimeter and ensure pathways and entryways are well-lit.

Secure Doors and Windows

Ensure all doors and windows are locked before leaving the house, even if you’re just stepping out briefly. Install deadbolts on exterior doors, add security gates, and burglar bars to windows. As a bonus, these kinds of fixed security installations will also boost the home’s resale value.

Check your security system  

Before heading into the holiday season, it’s crucial to ensure your security system is fully functional. Test all components, including motion detectors, cameras, alarms, and any smart features such as remote monitoring or app notifications. Replace weak batteries in wireless devices and verify that all sensors are securely attached to doors and windows. Cut back any plants that could block visibility of the cameras or accidentally trip the alarm sensors.

Make sure you are accurately insured

Even with the best security measures in place, it’s wise to ensure your homeowner’s insurance is up-to-date. Take an inventory of your belongings and keep records, including photos, for easier claims in case of theft or damage.

By taking these simple yet effective precautions, you can enjoy the festive season with greater peace of mind. “Whether you’re celebrating at home or traveling, securing your property will ensure your holidays remain joyful and worry-free. Stay safe, and happy holidays,” says Goslett.

READ: Is a burglar alarm enough? Security tips to protect your home

Home-Dzine offers two security options for homeowners to consider: 

1. A metal or wooden block to secure sliding doors

Sliding patio doors are often not the most secure and since they’re at the back of the house out of view they are a very appealing target for any would-be burglars. However, no matter how many locks, they pick or windows they break to unlock the door, if you put a piece of wood or metal into the path of the sliding door, there’s no way they can get short of breaking down the door and making tons of noise.

2. Metal-framed security doors

This type of door is typically a metal frame with or without added mesh screening that serves as an extra barrier between the door to your house and the outside world. The benefits of the simple addition of security doors are more multifaceted than simply being another layer of protection. These doors are fastened on tight and are much more resistant to being broken down or having their locks manipulated to open the door without a key.

With a security door you’re able to open your first door while still giving no opportunity for any would-be thief to get a good look at what’s inside of your house. On top of that, should someone unknown to you be knocking at your door, you can quickly jump out of the way and know that if they decide to try and forcibly enter your home the police will be well on their way before they even start making a dent in it.

Some of the most effective security tips are also the simplest. Sometimes a more sophisticated answer is required when thieves are using clever tactics, but the vast majority of home break-ins can be avoided or stopped in their tracks with simple tips like these. Don’t overthink it, but make sure your home is secured. 

28 Oct 2024

A home seller has been asked by their estate agent to complete an “Immovable Property Condition Report” in relation to the sale of their property. The seller states that one of the items in the condition report asks of them to disclose whether or not there are approved building plans for all buildings on the property. The seller is unsure and wants to know what to do as well as the legal position of a request like this?

Tarryn Gravenor, attorney and conveyancer at Herold Gie Attorneys respond: 

Answer:

In South Africa, selling a property without approved building plans can be a complicated process, and it may not be advisable to do so. Building plans are typically required for the construction, extension, or alteration of any building on a property. When selling a property, having approved building plans can provide assurance to potential buyers that the structures on the property are legal, safe, and comply with local building regulations.

From a contractual law viewpoint, property is generally sold “voetstoots” which means as it stands and with all its defects. A patent defect is one which may be seen upon a careful inspection, whereas a latent defect is a hidden defect. Sellers would be well advised to disclose to their estate agent (who will disclose to a prospective purchaser) all latent defects in the property of which the Seller is aware. If the Seller is unsure if a defect is latent or patent, the best advice would be that he/she disclose it just to be on the safe side.

The significance of taking the time and effort to diligently complete such a disclosure exercise lies in this: If a seller is aware of a latent defect and does not disclose it, this may result in a claim by the purchaser against the seller for:

• a reduction in the purchase price, or
• a cancellation of the sale, and/or
• a claim for damages.

In terms of Section 67 of the Property Practitioners Act No. 22 of 2019 (“the PPA”) the estate agent assisting the Seller with the sale of his/her property would be duty bound to, in essence, assist the Seller in complying with his/her common law duty to disclose defects as described above by ensuring that the Seller completes and signs an Immovable Property Condition Report along the lines of the prescribed report contained in Regulation 36 issued under the PPA.

Sections 67 reads as follows:

“(1) A property practitioner (including but not limited to an estate agent) must-

(a)   not accept a mandate unless the seller or lessor of the property has provided him or her with a fully completed and signed mandatory disclosure in the prescribed form; and

(b)   provide a copy of the completed mandatory disclosure form to a prospective purchaser or lessee who intends to make an offer for the purchase or lease of a property.

(2) The completed mandatory disclosure form signed by all relevant parties must be attached to any agreement for the sale or lease of a property, and forms an integral part of that agreement, but if such a disclosure form was not completed, signed or attached, the agreement must be interpreted as if no defects or deficiencies of the property were disclosed to the purchaser.

(3) A property practitioner who fails to comply with subsection (1) may be held liable by an affected consumer. …….”

The item on the prescribed Immovable Property Condition Report dealing with building plans in particular provides that:

“I am aware that any additions or improvements made to or any erections made on the property, have been done or were made, only after the required consents, permissions and permits to do so were properly obtained – Yes / No / N/A”

The owner is further afforded space in the report to insert additional comments regarding the state and attributes of the property.

In conclusion, while it is technically possible to sell a property in certain municipal jurisdictions in South Africa without approved building plans, it is generally not recommended due to the legal risks and potential issues that may arise. It is advisable to ensure that all necessary documentation and approvals are in place before selling a property to avoid complications in the future. And in any event, Sellers would be well advised to disclose to the estate agent (who will advise potential buyers) the fact that building plans are, to the best of their knowledge, lacking, or, in the case where the Seller himself/herself is uncertain of the facts, disclose as much to the estate agent and potential purchaser.

In summary, here are some points to consider:

Legal Compliance: Selling a property without approved building plans may lead to legal complications. Municipalities in South Africa may require building plans to be submitted and approved before the sale of a property can be completed. Selling a property without approved plans could result in fines or delays in the transfer process.

Buyer Concerns: Potential buyers may be hesitant to purchase a property without approved building plans as they may be concerned about the legality and safety of the structures on the property. This could make it harder to sell the property or reduce the selling price.

Property Value: Having approved building plans can add value to a property as it demonstrates compliance with regulations and allows for potential future developments or renovations.

Process for Obtaining Building Plans: If you do not have approved building plans for your property, you may consider applying for them through the relevant local authority. This process can involve submitting detailed drawings and documentation for review and approval. The services of a reputable architect could also be enlisted to assist with the process.

Consult Professionals: It is advisable for property owners to consult with a conveyancing attorney to understand the legal requirements and implications of selling a property without approved building plans. A conveyancer would be well placed to furnish comprehensive legal advice and draft or vet an appropriately structured Agreement of Sale  – before the Seller puts pen to paper –  to ensure that the Seller’s interests are adequately protected and that risks of comebacks from the purchaser after the property is sold and/or transferred, are minimised. Purchasers are likewise advised to seek professional legal advice and assistance and to ensure that they are furnished with a duly completed and signed Immovable Property Condition Report and that they have performed proper due diligence exercises to satisfy themselves in all respects as to what exactly they are buying, before making their Offer to Purchase immovable property which, once accepted, becomes a binding and legal contract.

* Disclaimer: The articles on these web pages are provided for general information purposes only. Whilst care has been taken to ensure accuracy, the content provided is not intended to stand alone as legal advice. Always consult a suitably qualified attorney on any specific legal problem or matter.

31 Oct 2024

Get answers to property questions from legal experts who offer valuable insights to help you understand and navigate these important questions. 

1.  Mastering property law: Time and dedication needed

The most important thing is to find your passion within the legal field and to then follow that passion; it will be the driving force behind your success.

Click here to read

2. Steps a landlord in South Africa must follow to evict a tenant for non-payment of rent 

 A landlord is dealing with a tenant who has not paid rent for several months. The landlord wants to initiate eviction proceedings but is unsure about the proper legal process. 

Click here to read

3. Crossing the boundary: How to resolve property boundary disputes

Neighbours are arguing over the boundaries of their properties, with one claiming that the other has encroached onto their land. How can property boundary disputes be resolved under South African law, and what legal recourse is available if neighbours cannot agree? 

Click here to view 

4. How to remove my name from a mortgage bond and navigating house ownership post-divorce

A Property24 reader is looking to remove her name from a mortgage bond signed with her partner but isn’t sure how to proceed. Meanwhile, a divorced reader wants to sell her jointly owned house, but her ex-husband is overseas and unreachable for signatures.

Click here to read

5. Tenant vs Landlord: Early lease termination dispute

A tenant needs to break their lease early due to a job relocation, but the landlord insists on enforcing the full lease term. The tenant seeks advice on their rights and potential penalties under South African law.

Click here to read

6.  Legal Requirements for building plans and municipal clearance certificates explained

A couple were in informed that their property cannot be transferred to the buyer without valid approved building plans in place, and that two municipal issued clearance certificates are required before the transfer of the property can proceed. What is the legal position?

Click here to read

02 Nov 2024

Many homeowners consider tapping into their home loan equity to settle other, higher-interest debts. While this can be a financially savvy move in certain circumstances, it also carries significant risks. The key to making a smart decision lies in understanding when and how to use home equity effectively.

SEE | Property24 101 – Buyer and Seller specific advice 

The recent interest rate cut could further entice homeowners’ decision to access the equity in their home loan to pay off other debts. Even without the recent cut, loans such as credit card balances and car finance typically come with much higher interest rates than home loans. Now with the lower interest rate, the gap between the cost of servicing home loan debt and other high-interest debt, such as credit cards or car loans, widens. This might make tapping into home equity seem even more attractive as the potential savings on monthly payments grow.

However, before leveraging your home equity to settle these debts, Adrian Goslett, Regional Director and CEO of RE/MAX of Southern Africa, reminds homeowners to consider that “if you fall behind on your home loan repayments due to this decision, you run the risk of losing the property,” Goslett cautions.

He also highlights that when homeowners use the access bond facility to cover substantial expenses like a vehicle purchase, they need to be mindful that, while the interest on a home loan is lower, the repayment term could be significantly longer. If you are early into your bond term, you could end up paying more in interest over the lifetime of the loan.

“Unless your bond is nearing the end of its term, using it to pay off a shorter-term debt like a car loan could extend the repayment period, resulting in higher total interest costs. If you do decide to go ahead, then be sure to pay back the loan amount over five years rather than ten or twenty years,” Goslett adds.

Ultimately, tapping into home equity to pay off debt is a major financial decision that should not be taken lightly. Goslett advises homeowners to consult with a financial advisor to assess whether this is the right strategy for their individual circumstances.

READ: Here is what you need to know about consolidating debt

Find out how much bond you qualify for with the Property24’s easy-to-use calculator tools  

Below are a few lifestyle expenses homeowners should consider when trying to find ways to cut their expenses: (read full article here)

Cobus Odendaal, CEO of Lew Geffen Sotheby’s International Realty in Johannesburg and Randburg recently explained why home equity is important.

Acts as a Source of Wealth and Financial Security

Home equity is a form of forced savings. As you pay off your bond, you’re essentially transferring your cash into home value, thereby helping you build wealth over time. For many, home equity is their largest financial asset, providing significant security in retirement or in times of financial need. Unlike many other investments, home equity is a tangible asset that can also increase in value over time, making it a key part of a long-term financial plan.

Access to Borrowing Options with Lower Interest Rates

One of the biggest advantages of home equity is that it can be used as collateral for loans. This affords you various borrowing options, often at lower interest rates than unsecured loans and can provide funds for larger expenses, but it’s important to borrow responsibly since these loans are secured by your home, meaning failure to repay could put your property at risk.

Helps with Retirement Planning

Home equity can be especially valuable in retirement planning. Some homeowners downsize by selling their property, buying a less expensive home, and using the proceeds for retirement income. Others may explore options like a reverse mortgage (home equity release loan), allowing them to access their equity without having to move. Home equity can be a reliable source of funds for those who wish to maintain a comfortable lifestyle during retirement without dipping into other investments.

READ: Bought a new home? Here’s a checklist of what to do before moving

The good news? With a few savvy tricks, you can streamline your move and make settling into your new space a much more comfortable experience. David Jacobs, Regional Sales Manager for the Rawson Property Group, offers his expert insights to help you move with ease.

Take measurements early on
One of the most common frustrations people face after moving is realising their furniture doesn’t fit the way they had hoped. Whether it’s your sofa being too big for the living room or the dining table crowding your kitchen, these issues can be avoided with a bit of pre-move planning.

“Take detailed measurements of your new home before moving,” advises Jacobs. “This will help you map out exactly where each piece of furniture should go, making it easier to direct your movers with confidence and avoid any disappointment on moving day.”

Make sure to measure window heights and widths as well, so you know whether your existing curtains will work, or if you need new ones. This little step can make a real difference to your comfort in your first few days in the new space.

Label boxes for easy unpacking
It’s tempting to just throw things into boxes, thinking you’ll sort it all out later. Spoiler alert: “later” often translates to weeks of living out of boxes searching for things you know you packed, but can’t remember where. Jacobs suggests avoiding this by implementing a smart labelling system.

“Label each box not just with its contents, but also with the room it belongs to,” he says. “You’ll thank yourself when movers or friends helping you are able to put everything in its rightful place without asking you constantly where things go.”

For extra efficiency, Jacobs says some people even use colour-coded labels for different rooms, making it effortless to tell which boxes belong where.

Pack in reverse order
One of the most underrated hacks to make unpacking a breeze is to pack reverse order. Jacobs explains this as packing the items you’ll need first at the top of each box and the ones you’ll need last at the bottom. This way, you can unpack your essentials without digging through non-essentials first.

READ: A new home presents the perfect opportunity to overhaul your household budget

“For example, if you’re packing up the kitchen, ensure that the things you’ll need right away – like plates and cutlery – are easily accessible” says Jacobs. “This method makes it much simpler to get your home functional quickly.”

Set daily targets
One of the biggest stressors of moving is trying to do everything at once. It’s easy to get overwhelmed if you try to pack up your entire home in a weekend. Instead, Jacobs recommends spreading out the workload by setting daily packing targets.

“Focus on one room at a time,” he says. “Set yourself a goal to pack up one room each day in the week leading up to your move. This way, you’re breaking the process down into manageable tasks, and the packing won’t feel nearly as overwhelming.”

Clean as you pack
Cleaning while you pack serves two purposes: first, it prevents you from taking unnecessary clutter to your new home; second, it leaves your old space in good condition, saving you from an additional cleanup on moving day.
“Declutter as you go,” Jacobs advises. “As you’re packing up each room, clean the area and get rid of things you no longer need. This way, when you finally close that door for the last time, you won’t have to look back.”

Pack an “essentials box”
There’s nothing worse than arriving at your new home, tired after a long day of moving, only to realise you don’t know where your toothbrush is. That’s why it’s essential to pack a “first-night” box with all your must-haves.
“Make sure you have a box with essentials like toiletries, a change of clothes, chargers, basic kitchen supplies, and important documents,” says Jacobs. “Label it clearly and keep it close during the move so it’s the first thing you unpack.”

Pre-clean your new home
Cleaning your new space before moving in, especially if it’s been vacant for a while, will save you the trouble of having to clean around boxes and furniture later.

“A fresh start in a clean space can help make your new house feel like home right away,” Jacobs says. “If possible, take a day before the big move to do a thorough cleaning, or consider hiring a cleaning service to make the job quicker and more effective.”

Manage cable chaos
Untangling a jumble of cables can be a nightmare, especially when you’re trying to set up your TV or computer in your new home. Jacobs recommends avoiding this this by wrapping cables neatly and labelling them before you pack. “Wrap cables in Velcro strips or zip ties and label each one so you know exactly which cord belongs to which device,” he says. “It’s a small step that will make setting up electronics much less frustrating.”

Plan for pets and kids
If you have pets or young children, moving day can be especially stressful. Jacobs highly recommends arranging for someone to watch them on the day of the move so you can focus on getting settled without distractions. You’ll be more productive and less stressed knowing they’re safe and cared for.

Celebrate your new space!
Finally, don’t forget to enjoy the process! Moving into a new home is a significant milestone, so once the hard work is over, celebrate! “Whether it’s having a small housewarming party or simply ordering in your favourite takeout, take the time to appreciate your fresh start,” says Jacobs.

READ: Top 7 items that get damaged when moving and how to protect them

Home-Dzine shares the best tricks when moving out for the first-time

Whether you’re moving out of your house with your roommates or with your partner, the need for landing on the necessary habits of better planning never dies.

Here is a list of things you should apply when you start living independently.

1. Bring changes to your lifestyle

Living in your parent’s house is different, as there’s no burden of responsibilities on your shoulders. But when you decide to live alone in your own home, a bunch of duties pops up. But don’t worry; if you keep your lifestyle on track, there will be no milestone that you can’t achieve.

2. Take a look of your finances

One of the most critical parts about leaving your house for the first time is to deal with your every-day increasing expenses. All you’ve to do is to plan and finance your future life. But the question that knocks out your head is how you’re going to do all this? Make a budget to figure out your expenses. Buy everything ranging from your utility needs to furniture should be in your budget.

The best way is to note all your expenses for the month on a notepad and spend your money accordingly. Plus, keep water, petrol, and electricity in control as it also influences the budget.

3. Choose the best location

The choice of location for your future house will influence your troubles a lot. No doubt it’s relatively easy to compromise with your needs, but still, you’ve to buy reliable real estate where all your needs are on your doorstep. 

4. Find yourself a permanent Job

Taking a brave decision to move out of the house for the first time isn’t appropriate unless you have a steady job pushing you up financially. As you’re going to face millions of problems economically and emotionally, only a permanent job resolves all your matters. It’s the best advice to have a steady job before move out of the house.

5. Always have a plan B

Not everyone who’s moving out of the house is the one who gives a potential setback to the upcoming problems. There’re chances that you may get fail in building yourself up. But don’t bother about it much; having a plan B when moving out of college is the only thing you can do to save your living.

6. Go for renters insurance

The unfortunate time comes without informing. Thus, the best way to push yourself up in such circumstances is to have renters insurance. Choose the policies which have low monthly payments or those that offer full replacement coverage.

Stand On Your Own

Shifting in your house by moving out for the first time seems like a daunting task. But you shouldn’t get confused after reading the tips we’ve talked about above. Adopt them in your life and see your development in days.

Home owners are often approached by estate agents enquiring whether they want to sell, usually because there is a demand for homes in the area for a variety of reasons. It could for example be an area with good schools and many older buyers where younger families want to move into the area for access to the schools.

READ: Selling? How to stage a home to attract buyers

By not selling, the homeowner may be losing out on a good price, and the opportunity to create a more fulfilling life in the golden years, according Seeff. Holding onto a big, empty house means a lot of work and cleaning, and it might not make sense to hold onto empty rooms which are never used.

That said, it is a life-changing decision. Seeff says these are some of the reasons why you should consider selling:

The nest is empty. If your children are out of the house and you are left with a big, empty house and lots of cleaning to do, then it may be time to scale down. Moving out of your big family property to a smaller home is often just the lifestyle change that older people need. It will generally also free up some cash to take a trip of a lifetime, or enjoy a better quality lifestyle.

Better access to schools. If you have children in school and have to commute long distances in heavy traffic, it may be more economical in terms of time and cost to move to an area with easier school access. Young people looking to start a family should factor schools into their buying decision as it could save the hassle of having to sell and move elsewhere later on.

Moving closer to work. Another big headache could be the daily commutes to and from work, especially with the rising traffic problems in the cities. Good access to main arterials could be a solution for some. Others may gain from actually moving closer to their place of work. In some instances, you may need to downscale as homes closer to work may be more expensive.

Is it time to upsize? If you are a growing family, or if the need arises to make space for a parent, it might be time to move to a bigger home. For some, a better job or salary increase could also offer the opportunity to move to a bigger home, or a better neighbourhood. Rather than expanding and renovating, it might actually make sense to rather move to a bigger home.

Should we downsize? There seems to be a growing trend towards a simpler lifestyle and enjoying more free time. This has led some people to trade their big suburban home for a more compact apartment that overlooks the ocean where they could take leisurely evening strolls, or cycle over the weekends. Often, these homes in the sky mean a cut down on maintenance, more security, and a better quality lifestyle.

Should we move to the country, or an estate? A small country town is often sought by younger families looking for a wholesome environment to raise their children. Similarly, many older people look to get away from the busy cities to a quieter country or seaside town. Estates have become a sought-after alternative as they often offer lifestyle benefits, and security, yet still with good access to the city.

READ: Selling your home? There are up to 5 compliance certificates to be obtained

 Tyson Properties shares some boxes to tick when getting your home show house ready:

• Remove all evidence of everyday living – sweep floors, vacuum carpets, clean windows and empty dustbins. Pack away kids’ toys and any washing.
• Bathrooms and kitchens are usually the rooms most under scrutiny – so, make sure counter tops are clear, there are no dishes in the sink and no rings around basins or baths. Air fresheners or diffusers in bathrooms are a must. Also, make sure that there are toilet rolls for guests and that toilet lids are closed.
• Temperature – if it’s a scorching hot day, set the aircons and fans and if it’s chilly, either get the fireplace going or strategically place a heater to warm up rooms.
• Declutter – if you’re selling, chances are you’ll be moving soon, so pack what you can in boxes for storage. Full cupboards suggest there is not enough storage space.
• Depersonalise – this is the best way to help a prospective buyer imagine they can live in your home. In addition to removing photographs and kids’ artwork and shopping lists from the fridge, pack away personal items such as hair and toothbrushes and medication. 
• Do some gardening – make sure the lawn is mowed, edges are trimmed and leaves are raked up.
• Pool hygiene – make sure your pool is clean and blue. You could even leave the creepy doing its rounds to prove all is in working order.
• Outbuildings – keep these as neat as your home as buyers will want to see them and don’t want to be confronted by everything that you have removed from the house or greasy and dusty garages!
• Lighting – open curtains to let in natural light and make sure that any dim corners are lit by lamps to create a welcoming ambience. 
• Welcoming touches – add fresh flowers or fruit bowls and strategically position potted plants to add a dash of colour. An orchid in the bathroom and neatly folded hand towels can made a good impression.

“Investing in sustainable features is not only a responsible choice for the environment,” says Adrian Goslett, Regional Director and CEO of RE/MAX of Southern Africa, “but it also adds significant long-term value to your property.

Homes with energy-efficient systems and eco-friendly materials are becoming increasingly desirable as eco-consciousness grows, boosting both marketability and resale value.”

With this in mind, what features should you be adding to your house hunting checklist? RE/MAX of Southern Africa shares the top three must-have sustainable features…

Solar Power Integration
This has become one of the most sought-after features in South Africa owing to the unreliable supply from our national power supplier. Apart from the upside of avoiding loadshedding, solar panels or solar water heating systems can significantly reduce electricity consumption and your carbon footprint.
What to add to the property wish list: Existing solar installations or the potential to install solar panels, including roof orientation and sun exposure.

Water Conservation Systems
Especially within drought-prone areas of the country, having water conservation systems can be incredibly appealing. These can include systems such as rainwater harvesting, greywater recycling, borehole water sources, and low-flow fixtures help reduce water usage.
What to add to the property wish list: Water-saving features like dual-flush toilets, and built-in rainwater tanks.

Insulation for Energy-Efficiency
Proper insulation and air-tight window and door frames can significantly improve the temperature control of the home, keeping your home warmer in winter and cooler in summer. This minimises the need for heating and cooling solutions, thereby lowering your electricity usage or reliance on fossil fuels (like wood or gas) for heating.
What to add to the property wish list: Aluminium windows and door frames, ceiling insulation, and no signs of leaks or cracks.

These features not only make your future home more sustainable but also contribute to long-term savings and a lower environmental impact. 

READ: 8 eco-friendly cleaning solutions for a greener home

Here are some practical tips from Fine & Country Sub-Saharan Africa’s to help you embark on your journey towards sustainable living:

Conduct an energy audit – Start by assessing your home’s energy usage to identify areas for improvement. An energy audit can reveal opportunities to enhance insulation, upgrade to energy-efficient appliances, and seal air leaks, ultimately reducing your carbon footprint and energy bills.

Invest in energy-efficient appliances – When replacing outdated appliances, prioritise energy-efficient models with high energy star ratings. From refrigerators to washing machines, these appliances consume less energy and water without compromising performance, contributing to long-term savings and environmental conservation.

Optimise natural lighting – Maximise natural light in your home by strategically placing windows, skylights, and light tubes to minimise the need for artificial lighting during daylight hours. Consider installing solar tubes or light shelves to channel sunlight deeper into interior spaces, enhancing visual comfort and reducing reliance on electricity.

Embrace sustainable landscaping – Transform your outdoor space into a haven of biodiversity and sustainability by choosing native plants that thrive in your region’s climate and require minimal water and maintenance. Incorporate permeable paving materials to reduce stormwater runoff and create habitat opportunities for wildlife.

Practice conscious consumption – Reduce waste and support eco-friendly practices by opting for durable, high-quality products made from sustainable materials. Prioritise products with minimal packaging and opt for reusable alternatives to single-use items whenever possible. Embrace the principles of reduce, reuse, and recycle to minimise your ecological footprint and promote a circular economy.

READ: 4 Eco-friendly upgrades that will increase the value of your home

READ: Selling: 3 reassuring truths every first-time home seller should know

People are generally attached to their homes in one way or another. It might be that you had put so much effort into creating the home to your taste, or it could be that it was the place where you raised your family.

Regardless, there will be a lot of emotional attachment, and this can be challenging for sellers, especially if they have specific notions of who should buy the property, and how much they should pay.

The best advice to sellers, says Tiaan Pretorius, manager of Seeff Centurion, is to think of the sale as a business transaction. Appoint a good agent, and then trust that they will give you the best advice, and act in your best interests.

Start by making sure that you are in fact ready to sell. You will need to let go of any emotional attachment that you have to the property. Think of the property as a commodity, and take the advice of the agent insofar as things that are required to make the property sellable, and get the transaction done efficiently.

If you have decided to sell, stick to that resolution. Speak to the agent upfront about your price expectations, and ensure you fully understand what is realistically possible. That will make it easier to let go, and wait for an appropriate offer.

READ: Show house tips to guarantee success in any season

Be realistic about your price expectations. The agent will provide you with an assessment of the property and a recommended price based on recent sales in the area. Assess whether that can meet your needs, if so, move forward with the process.

Ensure the property is in a sellable condition. For this, you may need to make certain changes. The better the condition of the property, the better the price that you can likely achieve. Take heed of the advice of the agent, it will be in the interest of getting the property sold, and achieving a good price.

Don’t hover during viewings. It is important that you leave the selling job up to the agent. Be sure to give the agent necessary time and space to show the property to prospective viewers, and to negotiate a suitable deal for you.

Focus on the future. By looking ahead in terms of where you plan to move to next, and working towards that, will help you shed some of the emotional attachment to the selling of your home. Excitement about where you are purchasing next can be a real upliftment.

Do not take negotiations personally. It is vital not to take a low offer personally, or to be offended by it. Do not be offended if the buyer does not come back with a higher price, it was likely not the right buyer for the property. Selling a property is seldom forthright, it often involves a process of negotiation and deal-making.

READ: Safety measures to consider when selling and letting homes

To help buyers and sellers understand the true value that a real estate agent brings to the transaction, RE/MAX of Southern Africa shares their top five reasons to work with a real estate agent…

• Reduced Risk

When working through an agent from a reputable brand like RE/MAX, you run less risk of being scammed or conned out of your money.  

• Time savers

An agent can do much of the legwork for you, from scheduling property viewings to marketing your home. They can also search for homes on a buyer’s behalf and only show the ones that meet the criteria.

• Skilled Negotiators

Whether you’re buying or selling, they’ll ensure you get the best deal by leveraging their understanding of the market and their negotiation skills

• Market knowledge

Real estate agents are immersed in the local market and have in-depth knowledge of neighbourhood trends, property values, and market conditions. They can help you spot opportunities and ensure you won’t overpay or undersell.

• Objective Guidance

The home buying or selling process is emotional. It’s easy to let feelings influence decisions, but an agent provides objective advice, keeping your best financial interests in mind. Whether it’s advising you to wait for a better offer or steering you clear of potential pitfalls, they’ll help you stay focused on long-term goals.

Apart from the convenience of leaving all the legwork to a professional, working with a real estate agent brings several other crucial values to the table. “Because of the huge financial impact these transactions can have on people’s lives, involving the right real estate agent can add immense value to buyers and sellers; providing them with professional guidance and a trusted ally on which to rely”.