Comprehensive Affordability Audit

Who this audit is for

This review suits salaried applicants, jointly applying couples and self-employed buyers whose household finances are established enough to assess. It is especially useful before deciding an offer ceiling, when a pre-approval feels too generous, or when existing commitments make a lender calculator difficult to trust.

What we examine

We reconcile regular and variable income against bank-statement behaviour, credit instalments, maintenance obligations, insurance, school costs, transport, subscriptions and normal living expenses. We then add the costs that arrive with ownership: indicative bond repayments, rates, levies where applicable, building cover and a prudent maintenance allowance.

The audit includes:

• a 30-minute opening consultation;
• review of up to three months of agreed income and spending evidence;
• current debt and committed-expenditure schedule;
• indicative repayment calculations across a sensible interest-rate range;
• ownership-cost allowance for the property type under consideration;
• a written comfortable range, caution range and points requiring attention;
• a 30-minute findings call.

It excludes credit repair, property valuation, legal conveyancing, tax advice, a lender decision and negotiation of a home-loan rate. We do not submit an application on your behalf.

The five-stage engagement

1. Scope and consent

We confirm the applicants, target property type, approximate purchase range and intended application date. You receive a written scope and secure document checklist.

2. Evidence review

Only relevant documents are requested. Never send original identity documents by ordinary email. Where income varies, six months of evidence may be needed and any expanded scope is agreed first.

3. Household reconstruction

Transactions are grouped with your context, not guessed from merchant names alone. Annual costs are converted to monthly allowances and once-off spending is separated from recurring commitments.

4. Repayment stress test

We compare present-rate repayments with higher-rate scenarios and account for transfer-related cash needs. The purpose is not to predict rates; it is to show how much margin remains if repayment conditions become less favourable.

5. Findings

Your report explains assumptions, exclusions and the range supported by the evidence reviewed. The final call is for questions and corrections, not pressure to borrow.

Preparation and constraints

Have your target price, deposit estimate and existing monthly repayments available for the first call. Audit quality depends on complete, accurate disclosure. We can identify inconsistencies but cannot verify every source document independently.

The standard fee is R4,850, payable after scope acceptance. Complex company income, multiple rental properties or more than two applicants require a quote. Delivery is normally within five to seven business days after all requested material is received.