The Ultimate Checklist for Buying a House

A Step-by-Step Guide

Buying a house is one of the most significant financial decisions you’ll ever make. In South Africa’s diverse and dynamic property market, the process can seem daunting, but with the right guidance, it can be a smooth and rewarding experience. This ultimate checklist will walk you through every step, from budgeting to moving in, ensuring you’re fully prepared for your property journey.

1. Determine Your Budget

Before you start house hunting, it’s essential to know how much you can afford. Here’s what to consider:

Monthly Income and Expenses: Calculate your disposable income after accounting for all monthly expenses.
Deposit: Most lenders require a deposit of 10–20% of the property price.
Additional Costs: Factor in transfer duties, bond registration fees, legal fees, and moving costs.

Pro Tip: Use online bond calculators from banks like FNB, Nedbank, or Standard Bank to estimate your monthly repayments.

Learn More: For a detailed breakdown of costs, read our blog: Understanding Real Estate Market Trends: What Buyers and Sellers Should Know

2. Get Pre-Approved for a Home Loan

In South Africa, most buyers rely on home loans (also called bonds) to finance their purchase. Pre-approval gives you a clear idea of your budget and makes you a more attractive buyer to sellers.

Steps to Get Pre-Approved:

Check Your Credit Score: A good credit score increases your chances of approval.
Gather Documents: Provide proof of income, employment, and identity.
Compare Lenders: Shop around for the best interest rates and terms.

Learn More: For tips on navigating the bond application process, check out our blog: First-Time Home Buyer’s Guide in South Africa: Everything You Need to Know

3. Start Your Property Search

Once you’re pre-approved, the fun begins! Use online portals like Clickety Click to search for properties in your desired area.

What to Look For:

Location: Consider proximity to work, schools, and amenities.
Property Type: Decide whether you want a house, flat, or townhouse.
Future Growth: Research areas with potential for property value appreciation.

Pro Tip: Explore our guide to the best neighbourhoods: Top Neighbourhoods to Watch in South Africa: A Buyer’s Guide to Hotspots in 2025

4. Make an Offer and Negotiate

When you find the perfect home, it’s time to make an offer. Your real estate agent can help you negotiate the best price.

Tips for Negotiating:

Research Comparable Sales: Know the market value of similar properties in the area.
Be Prepared to Compromise: Negotiation is about finding a win-win solution.
Include Conditions: Specify conditions like bond approval or a home inspection in your offer.

Learn More: Master the art of negotiation with our blog: How to Negotiate the Best Deal When Buying or Selling a Home in South Africa

5. Conduct a Home Inspection

Before finalising the deal, hire a professional to inspect the property for any hidden issues. This step can save you from costly repairs down the line.

What to Inspect:

Structural Integrity: Check for cracks, damp, or foundation issues.
Electrical and Plumbing Systems: Ensure everything is in working order.
Roof and Windows: Look for leaks or damage.

Learn More: Discover why inspections are crucial in our blog: The Importance of Home Inspections in South Africa: A Buyer’s and Seller’s Guide

6. Finalise the Paperwork

Once your offer is accepted, your attorney will handle the legal process, including:

Transfer of Ownership: Registering the property in your name.
Bond Registration: Registering your home loan with the bank.
Payment of Fees: Covering transfer duties, bond registration fees, and legal costs.

Pro Tip: Ask your attorney to explain all costs and timelines upfront.

7. Understand the Costs Involved

Buying a house in South Africa comes with several additional costs. Here’s a breakdown:

Transfer Duty:

A tax paid to SARS, based on the property value. Use the SARS transfer duty calculator to estimate this cost.

Bond Registration Fees:

Charged by the bank to register your home loan.

Legal Fees:

Paid to the conveyancing attorney for handling the transfer process.

Moving Costs:

Don’t forget to budget for hiring a moving company.

Learn More: For a detailed guide to costs, read our blog: Understanding Real Estate Market Trends: What Buyers and Sellers Should Know

8. Plan Your Move

Once the paperwork is complete, it’s time to move into your new home!

Tips for a Smooth Move:

Declutter: Get rid of items you no longer need.
Pack Strategically: Label boxes by room to make unpacking easier.
Notify Service Providers: Update your address with banks, utilities, and other providers.

Pro Tip: If you’re downsizing, consider renting a storage unit for excess belongings.

9. Settle into Your New Home

Congratulations, you’re now a homeowner! Take the time to explore your new neighbourhood and make your house feel like home.

Learn More: For tips on creating a welcoming space, check out our blog: How to Stage Your Home for a Quick Sale in South Africa: Top Tips for Sellers

10. Common Mistakes to Avoid

Overextending Your Budget: Stick to what you can comfortably afford.
Skipping the Home Inspection: This can lead to unexpected expenses.
Not Researching the Neighbourhood: Location is key to long-term satisfaction.

Learn More: Avoid these and other pitfalls with our blog: Common Mistakes to Avoid When Selling Your Home in South Africa

11. Final Thoughts

Buying a house in South Africa is an exciting journey, but it requires careful planning and research. By following this ultimate checklist and leveraging the resources available on Clickety Click, you’ll be well on your way to finding your dream home.

Need More Help? Explore our other blogs for expert advice on buying, selling, and investing in South African real estate.

The Ultimate Checklist for Buying a House

A Step-by-Step Guide

1. Determine Your Budget