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I’d also separate condition from vacancy. An empty property that needs work may attract negotiation because buyers can price the work immediately; a well-presented empty property may simply be easier to view. Track new-listing volume alongside withdrawals so you can tell whether buyers really...

Vacancy alone is weak leverage. It can suggest carrying costs or seller motivation, but neither is guaranteed. I’d compare the asking price with recent completed sales and look at when any reductions occurred. A vacant, recently listed home at a realistic price is different from one that has sat...

A credit is usually more useful if your priority is having money available for repairs after transfer. A price reduction may lower the financed amount but does not necessarily leave you with ZAR 254,800 in cash. Ask the lender exactly how each option would be treated, then separate urgent...

The portability wording needs more than a yes/no answer. Ask what must be reassessed when you move, whether the same balance and rate can actually transfer, and what happens if the next property costs more or less. Terms vary, so the lender’s written conditions matter more than the word...

I wouldn’t push APR too far into the background. It can expose a supposedly cheap rate that is carrying substantial fees. My approach would be APR as the first filter, followed by Clara’s cash-flow comparison for the years in which you might move. Portability only helps if the conditions fit the...

Is the unit vacant or tenanted, and what rent and operating costs support the yield? Those details matter more than nearby asking prices. Also ask the agent to state precisely what “it” is before discussing any waiver.