Can I apply for a home loan while under debt review?

Author
MyProperty
South Africa's #1 independent property portal

Unfortunately according to the National Credit Act it would be against the law to provide you with further credit whilst under debt review. You will have to settle all your existing debt before you will be able to apply for further credit.

It would also be advisable to have your ITC records cleared after debt review so that the banks will not decline your application in future.

Property questions?
Get quick answers about buying, selling, renting, and more from our AI powered real estate bot
Home Loans Property News
The 7 most costly mistakes landlords make – and why 2025 is still the best time to invest in rental property
Market & Opinion
The 7 most costly mistakes landlords make – and why 2025 is still the best time to invest in rental property
22 Apr 2025
Investing in rental property remains one of the most effective ways to build long-term wealth — and in 2025, there’s more reason than ever for optimism. According to the latest PayProp State of the Rental Industry report, a record 87.1% of property professionals in South Africa expressed confidence in the future of the market.
read more
Building a Home in South Africa? Here's Why NHBRC Registration Matters
Legal
Building a Home in South Africa? Here's Why NHBRC Registration Matters
15 Apr 2025
Whether you're a first-time home builder or a seasoned property developer, one thing is clear: the risks of poor construction are real—and they can be costly. That’s where South Africa’s National Home Builders Registration Council (NHBRC) steps in.
read more
Moving in before transfer: The pros, cons, and legal considerations
Market & Opinion
Moving in before transfer: The pros, cons, and legal considerations
07 Apr 2025
When purchasing a property, you typically can only move in once the transfer is registered at the Deeds Office. However, early occupation—moving in before the registration—may be possible in certain cases.
read more
Should I fix the interest rate on my home loan?
Market & Opinion
Should I fix the interest rate on my home loan?
04 Mar 2025
Homeowners and future home buyers often consider fixing the interest rates on their home loans - and with concerns about inflation and rising living costs, this has become a hot talking point once again.
read more
Real Estate Tools
Get pre-qualified
Make offers with confidence knowing what you can afford. Then shop for the best home loan
Bond Calculator
Calculate the estimated repayments on a home loan and savings with extra payments
Residential
House
Townhouse
Apartment, Penthouse
Retirement Village
Vacant Land
Agricultural
Farm
Small Holding
Vacant Land
Commercial
Office, Retail, Mixed Use
Industrial
Vacant Land
Hospitality