Many South Africans feel increasingly disconnected from the dream of owning their own property, but knowing how, when, and where to enter the market is more important than having cash in hand. 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. “Even renting with its flexibility comes at a cost and that cost causes a delay in entry into the property market.