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Can a self-employed person get a home loan in South Africa?

 How to get a home loan when you are self-employed Can a self-employed person get a home loan in South Africa? The simple answer is yes. But the bank or the financial institute will have certain requirements that self-employed person has to meet.  These are similar to the rules that registered companies must follow. The moment you earn an extra income, the South African Revenue Service sees it as a business income and you are expected to have financial statements and pay taxes.  Before you apply for a home loan, first find out what amount you qualify. Determine exactly what the bank would need from you before you apply. This would speed up the process and the bank doesn't have to wait for outstanding documents that you probably don't have and still have to search for. If you're applying for a home loan as a self-employed person , then these tips can streamline the process and increase your chances of approval. These are the things to do before you apply for the home loan....
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Bookkeeping And Accounting Services

Our accounting and bookkeeping services

Olivia @ 064 0490 308 (WhatsApp & calls)

Email: profitsandbooks@gmail.com


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Olivia Sambo (Accountant)




We Take the Stress Out of Your Business Finances!

Managing your books, payroll, and compliance can feel overwhelming, but it doesn’t have to be. Let us handle the details so you can focus on growing your business with confidence!


Bookkeeping Services

Keeping your finances in order is the foundation of a successful business. We meticulously record, organise, and reconcile every transaction, ensuring your books are accurate and up to date. This gives you a clear picture of your cash flow, allowing you to make smarter financial decisions and stay in control of your business.


Payroll Services

Payroll doesn’t have to be a headache! We take care of salary calculations, deductions, tax withholdings, and on-time payments so you can rest easy knowing your team is paid accurately and on schedule. No more payroll stress—just seamless processing that keeps your employees happy and your business compliant.


Compliance Services (CIPC & Letter of Good Standing)

Regulatory requirements can be tricky, but we make compliance simple. We assist with company registrations, annual filings, and securing your Letter of Good Standing, ensuring your business remains legally compliant and trustworthy to clients, suppliers, and stakeholders.


Tax Preparation

Tax season doesn’t have to be a scramble! We review your financial records to maximise deductions, minimise liabilities, and ensure your returns are accurate and submitted on time. Whether it’s VAT, PAYE, or company tax, we help you navigate the complexities with confidence.


Accounting Services

Your numbers tell a story, and we help you understand it. Our accounting services go beyond bookkeeping—we provide detailed financial reports, budgeting insights, and strategic guidance so you can plan for growth, improve profitability, and make informed financial decisions with ease.


Let’s make your business finances work for you, not against you!
Get in touch today and let’s discuss how we can support your business success.





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