Many South Africans are feeling increasingly disconnected from the dream of owning their own property, but knowing how, when, and where to enter the market is more important than the cash in hand. Yet research shows almost 90% of tenants in South Africa would rather own their properties. Standard Bank has factored additional purchase costs such as transfer fees and bond registration into its offering, allowing up to 108% bond financing specifically for first-time home buyers. Standard Bank also offers discounts on bond registration fees and built-in cushions for hidden home expenditures. It doesn’t have to just be a dream of home ownership; it can be a practical step in securing financial stability.