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7 tips to spruce up your finances before buying a home

“Just as homeowners will prepare their properties for show days and viewings by cleaning, polishing and painting, so potential home buyers need to make sure that their finances are in good shape before they go house hunting or apply for a home loan,” says Carl Coetzee, the new CEO of BetterBond, national home loan originator. “This is important because although the banks…

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  • 13 Sep 2019

Get your home loan application approved with these tips

For most of us the financial and economic mayhem caused by the 2009 global financial crisis is little more than a distant, mildly painful memory. However, given that the crisis had its roots in the unethical granting of credit by some larger international financial institutions, one of the lingering consequences of the so-called credit crisis is that banks are now a lot more…

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  • 9 Sep 2019

6 budget-friendly DIY renovations that add value to your home

Home improvements are a great way to add value to your property, but not all of us have bottomless pockets for a full-on renovation. Lucky for us, there are plenty of affordable DIYs that can spruce things up over a free weekend. David Jacobs, Gauteng Regional Manager for the Rawson Property Group, shares his favourite DIY home improvement…

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  • 30 Aug 2019

Here's how to make the most of the lower interest rate

On 18 July, The Monetary Policy Committee (MPC) announced that interest rates would be lowered by 25 basis points, dropping the prime lending rate to 10% and the repo rate to 6.5%. For homeowners who are still in the process of paying off their home loans, this translates into a monthly saving on their bond repayments. “There are several things homeowners can do with…

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  • 21 Aug 2019

Smart renovations that will up your investment property’s value

The aim of buying an investment property is very simple: to achieve the best possible return through rental yields in the short term and capital growth in the long run, but astute investors always look for ways to maximise their returns, and renovation can be a very effective method. Yael Geffen, CEO of Lew Geffen Sotheby’s International Realty, says one can usually charge…

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  • 13 Aug 2019

Why paying extra into your home loan is the best investment

In honour of Savings Month, South African homeowners need to become more aware going forward of the benefits of saving by paying an additional amount off their home loan every month. “The latest Old Mutual Savings and Investment Monitor (July 2019) shows that only 25% of homeowners are currently paying more than the minimum bond instalment every month, while 5% occasionally…

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  • 29 Jul 2019

What you need to know about property and capital gains tax

Let’s say you bought it years ago in an up-and-coming area, kept it well maintained and managed to get the right price for it with the result that it has made you a sizeable return on investment. This is known as a capital gain and it is taxable, and will form part of your income tax.  So, before you pop the champagne, make sure you understand capital gains tax (CGT)…

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  • 16 Jul 2019

Buy-to-let property: These expenses are tax deductible

This is according to Rowan Alexander, Director of Alexander Swart Property, who recently answered listeners’ questions about buy-to-let property during two sessions on Cape Talk radio. “There was particular interest and questions from listeners concerning the aspects of a property investment that are tax deductible,” says Alexander. “This subject needs further exposure…

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  • 11 Jul 2019

Reach your savings goals with these 4 tips

“Saving and investing should form an important part of your goals and money management journey. By regularly revisiting your progress, you can see if you are on track to meet your financial goals,” says Ester Ochse, Product Specialist at FNB Wealth and Investments. “However, after assessing your goals and seeing that you are not where you had anticipated to be by this…

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  • 3 Jul 2019

7 top tips to ensure your geyser is ‘good to go’ this winter

As winter quickly approaches, Bertus Visser, CE of Distribution at PSG Insure, says there couldn’t be a worse time to risk having no hot water, let alone ignore the potential outpouring of funds that could be needed to fix a bad geyser situation. “As hidden as your geyser may be in your roof, or tucked away in a cupboard, certain terms and conditions needn’t be far from…

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  • 27 Jun 2019

Holiday homes are flourishing

 Here are some tips for choosing a holiday home for you and your family: First of all, decide whether you want a holiday home for exclusive family use, or whether you would like to rent it out during periods when you aren’t using it. Your decision will influence both the location of the property as well as the way in which you furnish it. Decide…

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  • 22 Jun 2019

Fixtures and fittings: Buyers, don't assume 'what you see' is included

When buyers put in an offer to purchase after viewing a property, they often make the mistake of not checking in detail what it is they’re actually signing for. Buyers will have seen the property, possibly walked through it a few times, but it would most likely have been fully furnished with the seller’s belongings. It could be that some features of the home might not…

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  • 18 Jun 2019

Winter home maintenance checklist - and when insurance won't pay

The winter chill has set in, so preparing your home or business for the colder months should be a top priority. Depending on where you are based, you may be expecting the rains to set in. In drier parts, you could be entering fire season or be bracing yourself for temperatures that can freeze pipes.

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  • 13 Jun 2019

Top value-adding renovations and the mistakes to avoid

While it may seem a basic point, before embarking on any renovations of your home, it’s advisable to research the cost of renovating versus buying another home more suited to your lifestyle and needs. This is according to Pam Golding Properties, reminding homeowners to bear in mind that the cost of the actual move is coupled with transfer duty plus all the other costs…

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  • 6 Jun 2019

Why a sole mandate is the best bet when selling your home

CEO of Greeff Christie’s International Real Estate, Mike Greeff, advises homeowners to make the smart decision when it comes to the decision of appointing an agent with a sole mandate or not. “There are obviously many factors to consider and when home sellers are in this stage of the selling process, we understand why they may feel overwhelmed or even slightly unsure…

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  • 28 May 2019

Elections are over and banks are keen to finance your home loan

According to CEO of ooba home loans, Rhys Dyer, the election results will give President Ramaphosa the mandate to pursue the market-friendly reforms he needs to implement to drive job creation and growth in the economy.  “Stability and confidence are key drivers of economic and property market stability and post elections, the country is poised for a return of confidence…

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  • 24 May 2019

Is it time for you to go from renting to buying a home?

Before you decide to stop renting your home and buy one of your own, there are a few things you will need to consider. “The first of these is whether you are ready to give up the flexibility of renting for the greater permanence of homeownership. If you often have to relocate for work or like to travel and take on contracts in different parts of the world, it’s great…

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  • 17 May 2019

Why you should resist the urge to ‘borrow’ from your home loan

Homeowners who have an access bond facility on their home loan might often be tempted to borrow a little against what they have paid off each time they are cash-strapped - perhaps wanting to consolidate smaller debts or when they need an extra boost for a larger item they’d like to buy for their home - but this is not advisable. This is according to Michael Bauer, managing…

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  • 14 May 2019

Applying for a home loan? Good reasons to use a bond originator

“These days they just need to submit their application through a reputable originator,” says Rudi Botha, CEO of BetterBond. “We use an electronic multi-lender submission process which means that prospective borrowers only have to complete one application and assemble one set of supporting documents before their application is simultaneously submitted to a number of banks, including…

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  • 10 May 2019

Why you should invest in property sooner rather than later

Grant Wheeler, Director of Engel & Volkers Southern Africa, explains that for a first-time property buyer, the younger you are when you enter the property market, the better. If you can take the leap, investing in property in your twenties or thirties is an ideal method of forced saving. It puts you in the position of not having the disposable income to spend on things…

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  • 6 May 2019

Why a home loan doesn't have to tie you down

One of the biggest fears of the Millennial generation is being tied down to something that will get in the way of their travel plans. That’s why, according to the 2017/2018 Old Mutual Millennial Survey, 37% of millennials are more likely to save money first towards travel than any of their other expenses. However, according to Regional Director and CEO of RE/MAX of Southern…

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  • 3 May 2019

How to get a home loan if you’re self-employed

In order to put in a strong offer, one that is likely to be accepted by the seller and likely to get a home loan approved, it does pay to be fully prepared ahead of time with all the necessary documentation before the offer is signed, advises Nelio Mendes, marketing manager of property company The four major banks vary slightly in their evaluation criteria…

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  • 26 Mar 2019

Millennials, invest in property as soon as you can

Often repeated statements in South Africa’s property media, drawing attention to the increased difficulties that young middle-class South Africans now experience in becoming homeowners, have been forcefully corroborated by statistics recently published by the property analysts, Lightstone. This is according to Rowan Alexander, Director of Alexander Swart Property, who…

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  • 20 Mar 2019

How to pay off your home loan fast and build equity

“Equity is what your property is worth to you - in other words, its market value less your home loan or mortgage,” Paul Stevens, CEO of Just Property explains. “In a normal market, the value of your property to you will increase as you pay off your bond. So that’s one of the things you should focus on now while the market is not encouraging for sellers.” Stevens…

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  • 15 Mar 2019

Applying for a home loan? Here’s how a bond originator can help

Every few years, someone raises the issue of how bond originators like BetterBond get paid - usually to ask whether the commissions that banks pay originators are not being passed on to consumers in the form of higher interest rates on the home loans obtained through originators. And the answer? No, they are not. On the contrary, consumers who apply for home loans through…

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  • 7 Mar 2019

Easy home staging tricks to make small spaces look bigger

“Home staging is an incredibly important part of the selling process. By decorating a room strategically to make it appear larger, sellers have a much better chance of securing a sale,” says Goslett.   Curtain rods closer to the ceiling will draw the…

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  • 1 Mar 2019

4 essential steps to follow when buying your first home

“We take a look at some of the steps to take when deciding to buy a house,” says CEO of Greeff Christie’s International Real Estate, Mike Greeff. “The process of buying a property need not be overly complicated, and by following guidelines such as these and securing the trusted expertise of a qualified real estate professional,…

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  • 19 Feb 2019

Think twice before you use your home loan 'like an ATM'

“At the start of the year we always see an increase in what the banks call ‘further advances’ - which is when homeowners re-borrow all or part of the amount they have already paid off their bond in order to finance something else,” says Rudi Botha, CEO of BetterBond, national bond originator. “However, deciding to use the home equity you have…

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  • 29 Jan 2019

Vital questions to ask before buying or selling property

“As a buyer or seller, it is vital to take everything into consideration and view the sale of the property from the perspective of the buyer and seller. This important moment should be dealt with in the utmost clarity of mind and not clouded by unnecessary detail,” says CEO of Greeff Christie’s International Real Estate…

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  • 22 Jan 2019

4 things to consider when applying for a joint home loan

When evaluating joint bond applications, banks adhere to normal credit and affordability assessment criteria. However, the difference is that the profiles of all the co-applicants, as well as their combined income, is taken into account. Mpho Ramatong, FNB Home Finance Division Channel Head for Housing…

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  • 16 Jan 2019

New year wealth plans: Why you should buy property as soon as you can

It almost always makes more sense to buy a home rather than rent, simply because being a tenant means giving away what you would have spent on housing anyway, without gaining anything in return.   So says Rudi Botha, CEO of bond originator BetterBond, who explains that by contrast, homeownership is the easiest way for young people, especially, to accumulate personal…

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  • 8 Jan 2019

Should you pay off your home loan, or invest?

"While some people advocate paying off your bond as a priority and others prefer investing in equities, ultimately, you can’t go far wrong with either approach, and you are likely to have a nice lump sum upon retirement," says Bailey. Gareth Bailey, Pam Golding Properties area principal for Durban Coastal,…

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  • 18 Dec 2018

South Coast Carnival Update

The South Coast Carnival that launches on Saturday, 15 December, has changed the Parade route to St Mike’s to minimise impact on high season traffic coming in. The Carnival Parade will no longer leave from Shelly Skiboat Club to St Mike’s, but from the Uvongo Town Hall. Registration will be from 9am with the Parade starting from 11am and ending at 1pm. The Parade will…

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  • 13 Dec 2018

3 ways you can utilise your home loan and save money

Interest is calculated daily and capitalised to your home loan monthly. This means that any additional funds that are put into your home loan, even if it is for a day, will reduce the interest that you will be charged for that month. “A prepaid home loan facility allows consumers to transfer excess funds…

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  • 6 Dec 2018

Home loans are now more affordable than in 2017

“The home loan approval rate is also the highest it has been in 10 years. One of the main reasons for this is that there is stronger competition amongst banks. This is beneficial to buyers as it means there is more opportunity to negotiate a home loan structure and lending rate that works in your favour,” says Gerrit Disberg, Director of Engel & Völkers Financial Services. These…

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  • 22 Nov 2018

5 benefits of using an estate agent when looking for a home

“I won’t waste time arguing that it is impossible for buyers to find a home on their own, but I will state that having an estate agent help them look will save buyers time and, quite possibly, save them some money as well,” says Regional Director and CEO of RE/MAX of Southern Africa, Adrian Goslett. Goslett summarises how real estate agents add value during the home buying…

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  • 15 Nov 2018

A complete step-by-step guide to buying your first home

The very first step in the process is to find out what you qualify for and to get prequalified bond approval. You can do this either by going to the banks directly or by working through a bond originator. “Many first-time buyers begin at the wrong step in the home-buying process, and consequently lose their…

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  • 7 Nov 2018

How difficult is it to get a home loan when you’re self-employed?

“The best way to prove yourself to one of the lending institutions is saving for a sizeable deposit. With a 20% deposit and with all the required paper work under your arm, you stand a good chance of getting approved. And having saved a large deposit means you’ll pay the loan off quicker too,” says Stevens. There…

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  • 1 Nov 2018

3 home loan application mistakes that could cost you

Mpho Ramatong, FNB Home Finance Division Channel Head: Housing Schemes, says when lenders assess an application, affordability, which considers your total income relative to living expenses, is an important measure used to determine whether you would be able to keep up with monthly home loan instalments or not. This…

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  • 25 Oct 2018

Advice for property sellers and buyers in a buyer’s market

What is a seller’s market? When the economy and property market is in a positive growth phase, buyer demand for property tends to be high, with loads of competition for properties. During such a phase, sellers are in the driving seat and they can generally call their prices and buyers will pay higher prices just to get their hands on their dream property.…

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  • 18 Oct 2018

Everything you need to know about buying property in a trust

Financially speaking, the notion of a trust tends to have connotations to wealth and independence - think 'trust fund children' - but when it comes to property and trusts, it is useful to understand trust benefits and tax law in order to determine if this is a viable route for protecting your asset and optimising your money. A trust is simply a ‘legal person’ designed…

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  • 12 Oct 2018

Shave rands off your bill with these water-savvy kitchen tips

About 10% of all water in the average household is used in the kitchen. This is how kitchen water is commonly used: - Dishwashers use 30 to 90 litres per wash. - Dishwashing by hand uses 18 litres per wash. - Drinking, cooking and household cleaning uses 6 to 10 litres per person per day. This is how you can save: 1. Capture…

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  • 4 Oct 2018

The Porsche Car Club of South Africa cruises into San Lameer

The 32nd Porsche Club Parade rolled into town in head-turning style over the weekend. The South Coast sparkled with German beauty as some 100 Porsche owners assembled at San Lameer to celebrate the 59th anniversary of the Porsche Club of South Africa. Members of all four Porsche clubs in the country came together for a weekend of driving and social events, starting…

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  • 27 Sep 2018


This weekend sees the staging of the 32nd Porsche Club Parade, as the Porsche Club of South Africa celebrates their 59th anniversary. This in itself is quite remarkable as Porsche recently celebrated their 70th anniversary, so Porsche has had a long history in South Africa. The event has attracted over 100 Porsche owners, who will live it up at…

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  • 21 Sep 2018

Exterior home repairs: 5 items to check at least once a year

The exterior of your home is battered by wind, soaked by rain and continuously baked by the sun. As the protective skin of your house, it is essential that the exterior is kept in good repair to prevent possible problems. With regular - preferably annual - maintenance, you not only save money on costly future repairs, you also ensure that the inside of your home stays warmer…

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  • 13 Sep 2018

Own your own business? Here is how you can qualify for a home loan

According to Cheryl Zartz, Property Finance Specialist for Ooba, says banks are more cautious about granting loans to self-employed home buyers, and they usually require deposits of up to 20%, as well as more documentation than salaried buyers who only need their salary advice and copies of their last three months’ bank statements. “It is critical that these buyers take…

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  • 7 Sep 2018

Considering purchasing a property? Here are s number of finance tips to keep in mind.

“The discrepancy between entry-level salaries and the rising cost of living is widely apparent. It is not easy for young adults to take the plunge and venture out on their own. At the same time, it is becoming equally difficult for the ‘sandwich generation’ to continue supporting both their adult children as well as their aging parents who are living for longer than they were…

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  • 31 Aug 2018

Money-wise tips and must-knows for insuring your home loan

Greeff Christie’s International Real Estate CEO, Mike Greeff, encourages buyers to exercise due diligence when insuring their bonds. “Your home may well be your most valuable asset, and your insurance is what looks after that asset. Always look at getting professional advice and assistance in choosing your insurance when securing your home through a financial services…

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  • 24 Aug 2018

If you want a better home loan interest rate - A good credit score is essential

A spotless credit record is almost as good as cash in the bank. Or at least it is for home buyers applying for a bond, because it can help you obtain an interest rate concession that will not only lower your monthly bond repayment, but also cut thousands of rands off the total cost of your property over 20 years. This is according to Gerhard Kotzé, MD of the RealNet estate…

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  • 23 Aug 2018

How to get the best home loan interest rate you can

Stanley Mabulu, Channel Management Head of the Home Loans division at FNB, says the interest rate that financial institutions charge on a home loan has long-term ramifications on consumers’ ability to service debt. This is partially due to the nature of interest rates that fluctuate as economic conditions change. “Moreover, the higher the interest rate, the more you are…

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  • 3 Aug 2018

Which is better, buying property using cash or a home loan?

“The advantages of an outright cash purchase are certainly appealing,” says Piek. “You will not be paying interest on a loan, and if you are disciplined, that money can be invested into a tax-free account, and you will own the property ‘outright’.” But, he notes, there are disadvantages if you plough all your capital into one asset, leaving little to invest for emergencies.…

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  • 3 Aug 2018

How much you can save just by paying R500 extra into your home loan each month

With July being national saving month in South Africa, now is a great time for young people to start saving a deposit for a home of their own. This is according to Rudi Botha, CEO of BetterBond, who noted the positive trends in the latest Old Mutual Savings Monitor when it comes to the saving patterns of young South Africans. The Old Mutual findings – released…

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  • 3 Aug 2018

DIY kitchen renovations that won’t blow your budget

Kitchens are the heart of a home, but more than that, they are a commodity - they add value - and as a rule, they come with a big price tag. This is not a room in the house that you can keep changing as trends come and go - annual impulse updates are just not affordable. You don’t need to break the bank to give your kitchen a value-adding facelift,…

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  • 3 Aug 2018

How long does the home loan approval process take?

Stanley Mabulu, Channel Management Head at FNB Home Loans, says the amount of time it takes for a home loan application to be approved often depends on several factors, impacting both the bank and customers. “Ideally, it should take a minimum of one week to get complete approval, however, due to application backlogs, delays or customers not meeting certain requirements,…

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  • 27 Jun 2018

First-time buyers, now is the time to get onto the property ladder

With interest rates remaining at historic lows and banks continuing to compete for mortgage finance business, first-time buyers with funds at their disposal are currently well placed to gain that initial foothold on the property ladder, particularly in light of the slightly lower growth rates currently experienced in residential property values.

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  • 22 Jun 2018

4 factors to consider when buying a holiday home

According to the FNB Holiday Town House Price Index for February 2018, the demand for holiday homes has remained reasonably buoyant since 2013. After losing some growth momentum earlier in 2017, there has been a renewed year-on-year growth acceleration, demonstrated through the results of the last two quarters of 2017. Praven Subbramoney, CEO of Private Bank Lending at…

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  • 15 Jun 2018

Sardine Run 2018

Sardine Run 2018 Media UpdateFriday 01 June 2018 The KZN Sharks Board undertook its first monitoring flight of the 2018 sardine season on Thursday 31st May 2018. The Board’s main interest in the annual run is to ensure that any shoals of sardines that are accompanied by…

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  • 6 Jun 2018


Patrons from all walks of life are preparing for the biggest event in South Coast, the annual UGu Jazz Arts Festival. The month of June is full of build-up events leading to the main event on the 30th of June 2018. On the 9th of June at Ntelezi sports ground, Cyassound Holdings in partnership with Umzumbe Municipality will host an Indigenous music festival. The festival…

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  • 31 May 2018

Why you need life insurance when buying a home

It may surprise you to learn that, if you have a home loan and something bad happens to you, you could lose your home. If you can no longer afford to make the bond repayments because you get sick, become disabled, or even die, the bank will sell the property, and if that happens, where will your family live? Gretchen Pletschke from Indie says there’s a simple way to avoid…

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  • 23 May 2018

Everything you need to know about getting a home loan

Banks and mortgage companies understand that purchasing a home is an important investment, whether you’re a first-time buyer, or buying your second or third home.  A mortgage is simply a loan that is secured on immovable property, normally your home. The mortgage is lent to you in a lump sum to pay for the property, which needs to be paid back over a period of time.

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  • 17 May 2018

Your guide to a hassle-free ‘self-move’

Moving into a new home comes with such a long list of expenses that one often searches for ways to cut back on costs. Hiring a professional moving company is one of the first expenses that many buyers tend to try and work around, especially now that purse strings are even tighter owing to the VAT increase that took effect recently. “Using…

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  • 3 May 2018

Accelerate your home deposit savings with these tips

Choosing to buy your first home instead of continuing to rent is a big decision that will usually take some time to put into action, but the sooner you can save up a sizeable deposit, the closer you will be to reaching your goal. This is according to Gerhard Kotzé, MD of the RealNet estate agency group, who notes that buyers with deposits are…

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  • 26 Apr 2018

How to get your house market-ready: A Seller’s checklist

There are two types of people in the world: those who make plans and those who simply allow life to plan itself. For those belonging to the latter category, you might want to partner with somebody who belongs to the former when selling your home. Adrian Goslett, Regional Director and CEO of RE/MAX of Southern Africa,…

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  • 16 Apr 2018

9 questions about the VAT increase on property transactions

As we all know, VAT has just gone up by 1% and notifications from service providers are flooding in, informing us that we will now be charged the extra percentage as of 1 April.  But what about VAT and property transactions?  1. Is VAT chargeable on residential property rental (as referred to as a “dwelling”…

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  • 11 Apr 2018

Five common misconceptions about selling your home

When selling property, there are common notions that some home sellers hold that could end up costing them a sale. Gerhard van der Linde, Seeff’s MD in Pretoria East, shares tips… 1. I will eventually get my full asking price, even if…

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  • 5 Apr 2018

How the VAT increase will affect the sale of your property

The 1% VAT increase set to take effect as of 1 April 2018 raises some burning questions that relate to property sales and agent’s commission. Here’s a quick guide… “Raising VAT to 15% has muddied the waters of long-standing transactions in many sectors – none more so than in the property sector. Now more than ever, buyers and sellers need to pay particular…

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  • 5 Apr 2018

Are you using your home loan to its full potential?

A home loan is more than just a simple facility to keep up with until your property is paid off. It can be a sophisticated money management tool, if managed correctly. “A pre-paid home loan facility allows consumers to transfer excess funds into their Home Loan, effectively saving on interest while being able to use the funds at no additional cost,” says Tommy Nel, head…

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  • 27 Mar 2018

Five ways to help your agent sell your property fast

The relationship between you, as the seller, and your agent is an important one. Communication and honesty are important, and it goes both ways, says Steve van Wyk, Seeff’s MD in Centurion. Find out how providing your agent with the right information will help them sell better: 1. Setting the price It…

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  • 15 Mar 2018

Why you should get a home loan pre-qualification

Most people can’t buy a home without a home loan, and yet many people who make offers to purchase have no idea whether they will be granted a loan or not. “This makes for a great deal of anxiety for both buyers and sellers, but it can easily be avoided if prospective buyers get loan prequalification from their banks or through their bond originators…

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  • 8 Mar 2018

Should you take out a loan for your home deposit?

First-time home buyers often get caught by surprise when banks ask for a deposit in order to secure a home loan. “When applying for a home loan, banks will access your credit status to establish whether you will be able to meet the bond payments. Depending on the outcome, you are either given a 100% bond or required to put down a deposit of between 5% and 20% of the loan…

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  • 2 Mar 2018

How much you can save just by paying R890 extra into your home loan each month

Although New Year’s resolutions are notoriously difficult to keep as we head into the second month of 2018, there is one that can really deliver enough financial benefits to keep homeowners motivated for a whole year, says BetterBond CEO, Rudi Botha. Make a promise to yourself to “invest” something in your bond every month, Botha said. “At this time of year, many…

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  • 27 Feb 2018

Looking to buy a property that is a 'solid investment'? Here are 5 things you need to know

When buying a property, you may only be concerned about your immediate property needs, but experts say you should also "buy with the future in mind". Gerhard van der Linde from Seeff Pretoria East offers this advice. 1. Consider the neighbourhood While you may enjoy a neighbourhood with a great nightlife at the…

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  • 15 Feb 2018

Buying property with your partner? 6 questions you need to ask yourself!

These days you don’t need to put a ring on it to say “I do” to buy a home with your partner. In fact, many couples are delaying a trip down the aisle to invest that money in their first property. Of course, making a joint commitment like a property purchase without the protection of marriage can be risky, so how do you tell if it’s a good idea for you, or if you’re letting yourself…

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  • 12 Feb 2018

Don’t ignore the emotional side of buying or selling property

The property marketplace is often overshadowed by the investment goals of sellers and buyers, who have forgotten the emotional aspect of purchasing a home for “you and your family”. “The nostalgia many of us carry with us about our childhood home is often a major factor when buyers gravitate toward a suburb or particular home,” says Richard Gray 

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  • 7 Feb 2018

Are you planning to move in soon? Here are 5 ways to get your new home ready!

After saving up and months of searching for the right home, applying for a bond and patiently waiting for the keys to the front door, it is finally time to cross the threshold and move into your new home. Now what? Adrian Goslett, Regional Director and CEO of RE/MAX of Southern Africa, says buying a home is an exciting time and an amazing milestone…

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  • 2 Feb 2018

5 top tips for smart property purchasing in 2018

While the current property market may still favour buyers, it doesn’t mean that they shouldn’t be well prepared before putting in an offer to purchase. So says, Debbie Justus-Ferns, divisional manager of Renprop Residential Sales, who explains that setting out proper parameters before beginning the search for a home is just as essential as ever. The…

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  • 24 Jan 2018

Are you paying the right amount for your home insurance?

Vera Nagtegaal, Executive Head of, says it’s not uncommon for people to take out short- and long-term insurance policies and not give their policies another thought. “Usually, once the paperwork is out of the way, these are completely forgotten about until something happens that needs urgent attention. But, it is incredibly important for consumers to regularly review…

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  • 19 Jan 2018

The average age of a first time house buyer in South Africa in each major location

First time home buying levels in South Africa appear to have achieved some stability in 2017, after some prior years of weakening, according to new data published by lender FNB. According to the FNB Estate Agent Surveys through 2017, the estimated average 1st time home buyer level was 20.27% of total home buying for the year. This is at almost the same level as the 20%…

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  • 18 Jan 2018

7 tips to protect your home while you’re on holiday

The festive season is upon us, and for some of us, this means taking some much-needed time off to relax before we kick off the new year. If you are planning a getaway, remember that the festive season usually also coincides with an increase in crime and accidents, especially home burglaries. This makes it vital to protect your house before you…

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  • 15 Dec 2017

5 ways to 'feel at home' fast in your new house

The buying process is over, and the moving truck has delivered your household goods to your new property. Now it’s time to unpack and turn your new house into a home. Adrian Goslett, Regional Director and CEO of RE/MAX of Southern Africa, provides five tips to get you through the labour-intensive…

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  • 7 Dec 2017

6 types of renovations that will increase the value of your home – and one that won’t

Whether you are renovating your house to create more space, rejuvenate or to put it in the market, getting to grips with how renovations impact the sale price will help you make an informed decision. Dr Simphiwe Madikizela, Head of Retail Sales and Special Projects at FNB Housing Finance, says many consumers mistakenly assume that when you invest in renovations, the money…

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  • 23 Nov 2017

Top 5 tips for investing in a holiday home

As the festive season draws near, many will be starting to make arrangements to spend some holiday time in South Africa’s most sought-after leisure destinations. The holiday season is an ideal time for prospective holiday home investors to visit these locations and get a feel for the property market in these areas, says Adrian Goslett, Regional…

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  • 16 Nov 2017

Your 4-step guide to building a good credit history

Establishing and maintaining an excellent credit record is imperative for consumers who want to own a home. “Those who aspire to buy a property will require a favourable credit record to improve their chances of bond approval. Although lending criteria has softened marginally since the introduction of the National Credit Act (NCA)…

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  • 8 Nov 2017

4 affordable ways to increase the value of your home

Massive renovations don’t always deliver the best return on investment when you’re selling your home. So if you’re borrowing money to make home improvements, consider implementing relatively inexpensive aesthetic changes that can substantially increase your home's value and appeal.  Most property experts agree that first impressions count and a house that looks clean,…

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  • 30 Oct 2017

Top 4 reasons why sellers should use an estate agent

To reduce costs, some homeowners may be thinking about listing their property themselves, rather than making use of a real estate professional. On the surface, this may seem to be an excellent way to cut down on expenses during the home sales process, however, it also means that the homeowner will have to see the whole process through from start to finish. According…

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  • 19 Oct 2017

The Pros and Cons to paying off your home loan early.

With Statistics South Africa (StatsSA) having revealed that a large majority of consumers have settled their bonds, many homeowners will be anticipating the prospects and viability of paying off their home loans early. Calvin Ndlovu, Head of Operations at FNB Home Loans, says there is no correct or incorrect answer…

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  • 16 Oct 2017

How to: Apply For a Home Loan

You’re hoping to enter the property market for the first time, or upgrade your existing place. Here’s how to ensure the bank approves your loan. Identification and paperworkMake sure you have all your paperwork in order before you start the hunt for a home loan. Banks will need your identity document, a proof of your current address…

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  • 5 Oct 2017

Saving on electricity: Understand what your appliances are costing you

When we talk about electricity, we refer to energy in Kilowatt-hour abbreviated as kWh. kWh implies a Kilo (that is 1,000) Watts of power for one hour. Note the use of power and energy: Think of power as the speed at which you use energy. So power, multiplied by the time in hours, is the total energy you use in kWh. In terms of cost a kWh from Eskom costs between R1.70…

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  • 28 Sep 2017

Ask the right questions for a successful home loan application

There’s a reason it’s difficult to qualify for a bond. It’s because banks understand the extra costs and the burden these costs may place on a homeowner. So even though you know you’ll be able to afford the monthly bond repayment comfortably, there are other costs you need to take into account before you so confidently say that that R1,2m home fits right in with your budget. Lolly…

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  • 19 Sep 2017

Tax implications of selling your primary residence

The decision to sell your home is a big one, and generally involves both emotional and financial factors. “It is worthwhile to consulting your tax adviser when considering a move to establish any potential tax liability that may need to be factored into your decision.” Often…

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  • 14 Sep 2017

9 essential money lessons to teach your kids

Worried about how your children are going to fare in the property market? Teaching them financial responsibility at an early age can help to shape them into successful homeowners of the future. One of the most important factors in providing children with a bright future is helping them to master the skills of effective…

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  • 8 Sep 2017

JUST JINJER & Bobby Van Jaarsveld at San Lameer

It's that time of the year again!! San Lameer Estate is proud to present a JUST JINJER & 

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  • 1 Sep 2017

San Lameer Estate has their own Mountain Bike Trail.


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  • 24 Aug 2017


SAN LAMEER TOGETHER WITH CEMAIR IS RUNNING A COMPETITION!Book a flight with Cemair on the Cape Town – Margate Route (via Plettenberg Bay), accommodation through San Lameer Villa Rentals or the San Lameer Resort Hotel between 10 July 2017 – 10 October 2017. Receive an entry when you book flights from Cape Town to Margate (via Plettenberg Bay) on Cemair…

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  • 2 Aug 2017


Following the meeting of the Monetary Policy Committee (MPC) this week, the Reserve Bank has decided tolower the repo rate by 25 basis points to 6,75% and the prime rate and variable mortgage rate from 10,5% to10,25%. This decision follows the steady decline in the inflation rate, which showed annualised growth…

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  • 21 Jul 2017

Wildlife Wednesday at San Lameer: Water Mongoose

Today is Wednesday and that means the next installment of our #WildlifeWednesday series. Today we will be showcasing the Water Mongoose. The…

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  • 19 Jul 2017

San Lameer is filled with some beautiful and interesting wildlife - Reedbuck

Today we bring you the next installment of #WildlifeWednesday and with it, the Southern Reedbuck. Showcasing the wide variety of animals…

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  • 12 Jul 2017

San Lameer is home to some of natures most incredible wildlife

Showcasing the variety of animals located around the San Lameer Estate. Today we bring you the next installment of #WildlifeWednesday,…

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  • 6 Jul 2017

San Lameer is filled with some beautiful and interesting wildlife - Blue Duiker

Today we bring you the next installment of #WildlifeWednesday, the Blue Duiker. Showcasing the variety of animals located around the San…

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  • 28 Jun 2017

San Lameer is filled with some beautiful and interesting wildlife - Grey Duiker

San Lameer is filled with some beautiful and interesting wildlife. Today we present to you, the Grey Duiker. #WildlifeWednesday The…

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  • 22 Jun 2017

San Lameer is filled with some beautiful and interesting wildlife - Grey Mongoose

San Lameer is filled with some beautiful and interesting wildlife. Today we talk a little bit about the Grey Mongoose. It is a small species (55–69 cm long, weight range 0.5 – 1.0 kg). It is a dark grey colour with a darker tip of the tail. The legs are a darker grey than the rest of the body. It has a typical elongated mongoose body-shape. The ears are small…

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  • 15 Jun 2017

San Lameer has some beautiful and interesting wildlife - Impala

San Lameer is filled with some beautiful and interesting wildlife. Each Wednesday over the course of the next few weeks, we will be showcasing exactly what can be found around our wonderful estate. Today we start off with the Impala. The impala is a medium-sized antelope found in eastern and southern Africa. The sole member of the genus Aepyceros, it was first…

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  • 8 Jun 2017

How to avoid being turned down for a home loan

When you apply for a home loan, lenders will look at many factors before deciding whether to approve your application or not – and if you don’t ‘pass the test’ for any one of these they are quite likely to turn you down. “This is why it is so important for prospective borrowers to make sure their finances and credit records are all in order before they apply for a loan,…

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  • 31 May 2017

How much you can save by paying just R300 extra into your home loan each month

Shaun Rademeyer, CEO of bond originator BetterLife Home Loans, says that while most home loans are approved with a 20-year repayment term, paying even just a little extra each month can shave years off your arrangement, thereby saving you in interest. Rademeyer noted that on a R1 million property bought with a 90% loan, buyers…

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  • 16 May 2017

Crowned Eagles of San Lameer

After a couple of days running up and down to San Lameer today I finally got a new lifer and what a one it was. Around 9:30am on 11 May 2017 I arrived to find Jacques Sellschop already set up…

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  • 12 May 2017

Do you know how to use your home loan to its fullest potential?

A home loan is more than just a simple facility to keep up with until your property is paid off. It can be a sophisticated money management tool, if managed correctly, says FNB. “A pre-paid home loan facility allows consumers to transfer excess funds into their Home Loan, effectively saving on interest while being able to use the funds at no additional cost,” said Tommy…

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  • 26 Apr 2017

Reminder: South Coast Bike Fest Pre-Registration to access the Margate Main Beach 27-30 April essential.

20 April 2017 Reminder: South Coast Bike Fest Pre-Registration to access Margate Main Beach 27-30 April essential   With one week to go and to avoid disappointment, you are urged to ensure you,…

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  • 20 Apr 2017

More SA properties are being sold for less than their previous purchase price

The number of homes being resold at values below their previous purchase price has climbed in recent months, according to new FNB data.At any given time, there exists a certain amount of residential price deflation in the market – where a home is resold at a value lower than that which the seller purchased it for.FNB noted that in a country such as South…

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  • 13 Apr 2017

Juvenile Crowned Eagle at San Lameer

When Crowned Eagles reach the age of 5 months they behave like bored teenagers and look for things to do to pass the time. This afternoon the San Lameer juvenile did her after-lunch gym routine. This consists of hooking herself by one leg on to a branch that runs horizontally above the nest. She then swings theatrically, as a trapeze artist might, back and forth with exaggerated…

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  • 5 Apr 2017

South Coast Bike Fest - Margate 2017

The beautiful KZN south coast town of Margate with its spectacular scenery boasts pristine beaches along the warm Indian Ocean. It’s also only 630kms from Jozi, making it the perfect outdoor weekend getaway for bikers and families. The 2017 festival is also bigger and better with more thrills than ever before! Bring your friends & family to experience four days…

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  • 31 Mar 2017

Woolly-necked stork seen at San Lameer

The stork is glistening black overall with a black "skull cap", a downy white neck which gives it its name. The lower belly and under-tail coverts are white, standing out from the rest of the dark coloured plumage. Feathers on the fore-neck are iridescent with a coppery-purple tinge. These feathers are elongated and can be erected during displays. The tail is deeply forked and…

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  • 24 Mar 2017

Pace targets 2017 SA Women’s Open hat-trick

SAN LAMEER, KwaZulu-Natal – South Africa’s top golfing export Lee-Anne Pace will be targeting an unprecedented record when the South African Women’s Open heads to the KwaZulu-Natal South Coast for a fifth successive year in early 2017. Thanks to the unwavering support of the Ray Nkonyeni Municipality, Pace has the opportunity to extend her winning tally on the Sunshine…

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  • 28 Nov 2016


“80 days of non stop beach fun”! is what organisers are promising for this years South Coast Summer Tour. Staged for free and kicking off on Margate Beach from 1st – 5th December with Coca Cola Student Festival expect non stop beach sports, beauty pageants, chilled DJ tunes and good vibes. The Coca Cola Obstacle course will separate the men from the boys as the challenges grow…

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  • 16 Nov 2016

Race the Wild Coast

The first event of its kind in South Africa –for the Horseback Adventurer The 22nd October 2016 sees the launch of Race the Wild Coast: a wildly exciting new breed of horse racing. Set to challenge the endurance of any horseback adventurer, riders and teams from all over the…

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  • 20 Oct 2016

The South Coast Lake Eland Mile celebrates its 10th Anniversary

The lake is ready, and the organisers are ready for this year’s 10th Anniversary South Coast Lake Eland Mile, which is taking place on the 30th October, in the heart of the Oribi Gorge on the KwaZulu-Natal South Coast. The question is – are you ready? The Lake Eland Mile is one of only two open water swims that take place in KwaZulu-Natal…

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  • 20 Oct 2016

Ocean Conservation and Marine Education on the KZN South Coast

Thousands of millennia have taught us that experience is the mother of knowledge, which is why some of the leading diving and boat charter companies on the greater South Coast are going that one step further. This December and January will see them hosting a Shark Awareness Campaign which offers hands on, accessible information in a fun and experiential way for all ages – whether…

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  • 20 Oct 2016

San Lameer Estate Launches Newly built MTB Trail

SAN LAMEER ESTATEMAIN ROAD, LOWER SOUTH COAST, KZNSAN LAMEER MTB TRAIL & FUN RUNEVENT DATE: 18 JUNE 2016 View the map Written by: Jolanda Cloete (Marketing & Liaison Co-ordinator San Lameer Estate) The San Lameer Estate added yet another significant must-experience…

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  • 6 Jun 2016

Ingeli Sky Marathon & Trail Run

The Ingeli Sky Marathon is a challenging mix of forest single track, climbing mountain paths, dirt jeep track and cut grass paths and takes place in the breathtaking surrounds of the Ingeli Forests on the KwaZulu Natal South Coast. Set  to  take  place  on  the  30th April  2016, each  year  this  race  is  attracting  an  increased number  of  participants …

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  • 5 Apr 2016

Natal South Coast beaches offer action packed Easter program

Don’t be left out...get down to the Easter Fever on Margate Main Beach from 26–29 March this season and be a part of the fun!   Join in the action in the sports arenas with loads of exciting competitions and prizes to be won! As always, the Easter Fever bikini babes will turn up the heat handing out thousands of rand’s worth of fantastic giveaways. Watch…

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  • 5 Apr 2016

R30m marula factory to boost KZN tourism

A R30-million marula-processing factory will provide jobs and boost tourism while keeping an age-old tradition alive, says MEC for Economic Development, Tourism and Environmental Affairs Mike Mabuyakhulu. He was speaking at the opening of the factory in KwaMhlabuyalingana in the UMkhanyakude District in northern KZN on Saturday. The marula fruit thrives in the…

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  • 5 Apr 2016

KZN tourism registers almost 2million visitors for 2015 festive season

Nearly two million visitors flocked to KwaZulu-Natal (KZN) to soak up the sun and take part in the fun festivities. which are expected to take place. Multiple music concerts, fun family events and a vibrant nightlife can all be enjoyed in Durban and across the province during this festive season. Head of Durban Tourism, Phillip Sithole, says the city is expected…

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  • 5 Apr 2016

The KZN South Coast goes global with the 2015 World ShootOut competition

Rated as the biggest underwater photography competition, the World ShootOut Underwater Photo Grand Prix Competition is now in its 5th year. Off the back of an invitation from African Dive Adventures and as a result of attending one of the world’s largest oceanic and water-themed exhibitions – Das Boot in Germany – Ugu South Coast Tourism has announced that it is one of the top…

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  • 27 Nov 2015

The first sardines to be caught off the South Coast since 2012

At about noon, the skipper and crew of the Moonlight fishing boat bagged some 120 crates of the elusive silver fish. The going rate for the fish is believed to be at about R600 per crate. Fascinated beach locals formed a crowd around the seine nets as the crew of the boat crated their catch, while gulls swooped overhead to pluck any wayward fish from the waves, South Coast…

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  • 27 Nov 2015

Fishing Report - 20 November 2015

Anglers in the Port Edward area are out in numbers seeking early summer fish. Garrick and some beautiful Bronze Bream have been landed in and around Splash Rock and Lucky Dip. A few Hammerheads have also made an appearance in the evenings. A few anglers targeting Bronze Bream in the gullies have been surprised when they were fortunate to hook into a Brusher instead and a few…

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  • 27 Nov 2015

Positive outlook for KwaZulu-Natal's South Coast

It was back in 2012, when concerns over rising unemployment prompted Hibiscus Coast mayor Cynthia Mqwebu to state that a new growth strategy for the area was needed. Tourism is the mainstay industry of KZN's South Coast and it has not been able to attract anywhere near the volume of infrastructure and private sector investment that the north of Durban has, which benefited…

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  • 25 Nov 2015


CROWN EAGLES / KROONARENDE Written by / Geskryf deur Jacques Sellschop History is repeating itself. Our Crowned Eagle family is successfully rearing another juvenile. The new female, hatched on 20 September last year, followed text book predictions and took her first flight on Tuesday morning 17 January at 9am. It was a modest, downward glide on to the top of…

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Cash versus a home loan when investing in property

There are certainly advantages to paying cash for your investment property. However Pieter Piek of Just Property Invest suggests an intriguing alternative   "If you are in a position to use bonds to double your growth, you need to think twice about…

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