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The mortgage looks possible. The first 90 days are what concern me. I’m looking at a 1-bed Johannesburg townhouse priced around ZAR 20,570,000, with about ZAR 254,800 available once the upfront purchase expenses are covered. That money may need to absorb moving costs, the initial mortgage...

My concern is less about finding the lowest headline number and more about knowing what I’m committed to before the rate resets. I’m building an affordability case that assumes no refinance is available after year three. I’d appreciate suggestions for structuring that comparison without...

I want predictable borrowing costs for the first three years. The difficulty is comparing quotes once fees, loan-to-value bands and the balance left at the end are included. The current offer is 4.85% fixed for three years on a Cape Town purchase of about ZAR 11,920,000. Although refinancing...