South Africa’s residential property market is experiencing a noticeable shift, with more buyers turning to zero-deposit home loans as affordability pressures continue to shape purchasing decisions.
Saving for a deposit while also covering transfer costs, bond registration fees and other expenses has become increasingly difficult for many South Africans.
As a result, zero-deposit and cost-inclusive home loans are becoming an important pathway into property ownership, says Vermaak Properties.
The estate agency says South Africa’s residential property market is experiencing a noticeable shift, with more buyers turning to zero-deposit home loans as affordability pressures continue to shape purchasing decisions.
According to the latest data from ooba Home Loans, more than 56% of all home loan applications submitted during the first four months of 2026 were for 100% home loans, meaning buyers required no deposit to purchase a property.
