Test the month after the debit order
This review starts with your current household budget and adds the costs that arrive with ownership: municipal charges, sectional-title levies where applicable, building cover, routine maintenance and commuting changes. We then compare the remaining margin under three repayment assumptions, including a deliberately uncomfortable rate scenario.
The session is for decision support, not lender qualification. It works best for buyers choosing between purchase prices or comparing a familiar rent payment with the wider cost of owning.
What you receive
Before the meeting, you complete a plain expense schedule. During the session we challenge omissions and discuss which costs are fixed, seasonal or adjustable. Afterwards, we send a two-page scenario summary with observations—not a credit recommendation.