Why Starting Early in Property Matters

According to recent statistics from South Africa’s leading home loan specialists, ooba, the average age of a first-time buyer is 36, with the average approved bond sitting at R1 136 681. First-time buyers account for almost half of all bond applications received in 2025.

Bond approval rates have continued to improve year on year, with approval rates now in the low-to-mid 80% range. Banks are offering increasingly competitive lending terms and incentives, particularly for first-time buyers entering the market. Over 50% of applicants are qualifying for 100% bonds, removing the need for a deposit. The current rate cutting cycle and lower prime lending rate have further supported a more favourable lending environment.

Against this backdrop, most experienced property investors agree on one thing: starting earlier makes a meaningful difference. Time is one of the most powerful wealth-building tools. Entering the market earlier allows you to take full advantage of how property performs, with growth and stability playing out over the long term.

Long-term capital growth:

Property values generally increase over time. The earlier you invest, the longer your property has to appreciate, placing you in a stronger position to withstand the natural ups and downs of the market.

Build equity over time:

Long-term growth is only part of the picture. Each bond repayment increases your ownership in the property. Purchasing earlier, even with a smaller deposit, allows you to build equity steadily, with repayments contributing towards your own asset rather than a landlord’s.

Rental income potential:

For those entering the market with an investment mindset, property also creates the opportunity to generate income. Rental payments can contribute towards the bond, helping to offset the ongoing costs of the property.

 Greater flexibility to manage risk:

Property ownership comes with unavoidable realities, such as market shifts, vacancies, and maintenance. Investing earlier provides the time and flexibility to absorb these challenges and refine your approach as you gain experience.

Leverage to grow your portfolio: 

Property allows you to borrow against your existing asset. Over time, this creates opportunities to expand into additional investments and grow your property portfolio.

For many buyers, the next question is not whether to invest, but how to get into the market sooner rather than later.