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    Johannesburg first-time buyer: where should I start?

    For mortgage comparisons, keep the property decision separate from the loan decision. Put each financing option into the same template: deposit, monthly payment assumptions, fees, and what happens if your costs rise. Then ask lenders to explain anything that is not comparable. It makes the...
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    Valuation check: 70 m² new-build flat in Johannesburg, asking ZAR 10,650,000 / flood-risk

    Also check whether any balcony, terrace or other outdoor space is included in the stated 70 m². If one comparable counts outdoor area differently, its apparent rate per square metre will be misleading.
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