Smart moves for the year ahead
After a year of recalibration, 2026 is shaping up to be a year of strategic opportunity for South Africa’s property market. Interest rates have stabilised, investor confidence is climbing, and activity is picking up across residential, rental, and commercial sectors. But success in this market won’t come from guessing – it’ll come from preparation.
Whether you’re looking to buy, sell, rent, or invest, here’s how to make the most of what the new year has to offer.
Interest Rates & the 2026 Forecast: Relief, not revolution
After a challenging few years for affordability, two interest rate cuts in 2025 brought some much-needed breathing room to the market. Inflation remains a consideration but, according to Leonard Kondowe, National Manager for Rawson Finance, improving infrastructure and stabilising utilities are laying the groundwork for renewed economic momentum.
“2026 is starting on stronger footing,” he says. “We’re seeing encouraging signs in areas like
transport, energy, and inflation control. It’s still a complex global picture, but locally, the foundations are more solid than they’ve been in some time.”
Banks have responded with renewed competitiveness, offering attractive interest rate concessions, 100% bond approvals, and meaningful discounts on legal fees to qualifying buyers. That said, Kondowe warns against assuming the doors are wide open.
“There’s still often a significant gap between what people hope they can borrow and what they’re actually approved for,” he notes. “We’re seeing a lot of activity, but affordability challenges haven’t disappeared.”
Looking ahead, growth is expected to remain steady in key residential sectors, particularly in sectional title and investment-focused properties. First-time buyers, armed with better lending opportunities and more realistic expectations, are well-positioned to lead the charge in 2026.
For Buyers: Plan smart, buy better
With conditions gradually improving, 2026 offers buyers a chance to make real progress – if they come to the table prepared.
“Prequalification isn’t just a formality anymore – it’s the starting point for any serious buyer,” says Craig Mott, National Sales Manager at the Rawson Property Group. “It gives you clarity, strengthens your offers, and helps agents match you with the right properties faster.”
Beyond that, financial discipline remains key. Leonard Kondowe advises buyers to start early and stay focused.
“Build up a positive credit record, start saving towards a deposit, and avoid taking on any new debt once you’ve started the bond process,” he says.
He also cautions against assuming that bond approval equals financial freedom.
“Just because you’re approved doesn’t mean you should max out your budget. Leave room for rising costs – whether it’s interest rate adjustments, levies, or maintenance.”
Key tips for buyers heading into 2026:
- Get prequalified before you start house hunting
- Review your credit record and make sure it’s clean
- Save where you can, even if you qualify for a 100% bond
- Stay within your means – buying a home is a long game
For Sellers: Get market ready
In 2026’s value-conscious environment, sellers can’t afford to rely on luck or outdated assumptions. Buyers are more informed than ever, and presentation – along with price – can make or break a sale.
“Smart sellers are getting their properties valuation-ready from day one,” says Craig Mott. “That means fixing visible defects, creating a strong first impression, and pricing in line with market reality — not wishful thinking.”
He notes that today’s buyers are laser-focused on long-term value.
“They’re looking at the total package – energy efficiency, fibre availability, running costs, security – and comparing options carefully. You need to position your property to stand out.”
Top seller strategies for 2026:
- Get an up-front valuation from 3 or more trusted agents
- Tackle minor repairs and cosmetic updates before listing
- Invest in professional photography and clear marketing
- Price competitively, not emotionally
“A skilled agent brings more to the table than just putting your home on the market,” Mott adds. “Their value lies in knowing how to position your property strategically, negotiate effectively, and connect with the right buyer at the right time.”
For Landlords & Tenants: Be ready to move
The rental market showed impressive consistency in 2025, and that momentum is expected to continue in 2026 – particularly in areas that combine lifestyle appeal with solid infrastructure.
“We’ve seen steady growth across the board,” says Jacqui Savage, National Rentals Manager at the
Rawson Property Group. “Demand is strong, especially in well-connected neighbourhoods outside the traditional metros where remote work continues to drive migration.”
Savage says tenants are becoming more discerning, and landlords need to step up if they want to attract – and keep – quality renters.
“Security, fibre, and overall condition are no longer optional,” she explains. “If your property isn’t maintained properly, you’re not going to get top tenants or premium rent.”
At the same time, affordability pressures are beginning to show.
“Late payments are creeping up,” Savage notes. “That’s why thorough vetting and compliance with FICA regulations remain essential.”
Tips for landlords in 2026:
- Keep properties well-maintained and legally compliant
- Invest in key features like internet and security
- Work with professional rental agencies to manage risk
- For tenants, competition in sought-after areas means hesitation could cost you
“If you find a good property, move quickly,” Savage advises. “And always read and understand your lease – knowing your rights and responsibilities can save a lot of trouble down the line.”
2026: Success Favours the Prepared
If 2025 was about recalibration, 2026 is about readiness. With more stable interest rates, improving economic signals, and active competition among banks and tenants alike, the year ahead offers genuine potential – but only for those who put in the work.
Whether you're buying, selling, renting, or investing, the fundamentals are clear:
Know your numbers: Understand what you can afford, what you’re worth, and where you stand financially.
Get market ready: Whether it’s a home for sale or a rental application, preparation matters.
Partner smart
Surround yourself with the right professionals to guide your decisions.
“Opportunities are always out there,” says Craig Mott, “but you need to be ready to take them. Planning early, pricing realistically, and being open to expert advice – that’s what sets the successful clients apart.”
If property’s part of your 2026 goals, now’s the time to get moving. Talk to your local Rawson expert and make this your year. For more information contact 021 658 7100 or email marketing@rawsonproperties.com
