The current repo rate is 7.25%, according to the South African Reserve Bank (SARB). The prime rate is 10.75%, also as per SARB. CPI inflation has increased to 4.5% as of September 2026.

House prices have seen a year-on-year increase of 5.9%, as reported by Lightstone. The FNB house price index also shows a year-on-year growth of 4.7%. Average rent is currently at R9,715, with rental growth at 5.2% year-on-year, according to PayProp.

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For those looking to negotiate a better bond rate, it is essential to understand the current market conditions. The REIT total return has seen an increase of 2.4%, and the REIT return year-to-date is at 6.5%, as per the SA REIT Association. REIT distribution growth is at 11.09%, indicating a positive trend in the property market.

The SA long bond yield is currently at 8.72%, as per the SA REIT Association. The listed property index (J253) has decreased by 5.8%, as per FTSE/JSE. Petrol and diesel prices are at R30.25 and R31.95, respectively, according to DMPR.