Riaan Van Zyl - Real Estate Agent

14/09/2026

Interest Rates Are Dropping — Here's What It Means for Your Overberg Investment

The Reserve Bank has cut rates by 125 basis points since September 2024. Prime is now 10.25% — the lowest in years, with more cuts expected.

For property investors, this isn't a minor shift. It changes the numbers on every deal you're considering.

What's actually happened: The SARB cut 25bps in November 2025, taking the repo rate to 6.75%. January 2026 held steady, but two of six MPC members voted for another cut. Nedbank expects a further 50bps in cuts this year and 25bps in 2027 — possibly pushing the repo rate below 6%.

What it means for your bond: A R2 million bond cost around R21,900/month at 2023's peak rate of 11.75%. At today's 10.25% prime, that same bond costs about R19,800/month — a saving of R25,200 a year. On multiple properties, that adds up fast.

Why waiting could cost you more than it saves: Falling rates compress the gap between yield and borrowing costs — which pushes property prices up. Hermanus house prices already rose 20.8% in 2025, even with transaction volumes down 9%. The math is simple: every month you wait, you're likely paying more for the same property, even if your rate is marginally lower.

The Overberg-specific angle: Coastal towns like Gansbaai, Arniston, and Pearly Beach have real physical and regulatory limits on new supply. Greyton and McGregor have heritage rules that cap development. Falling rates bring more buyers into a market that structurally can't expand supply to match — a strong setup for continued price growth.

Bottom line: If you've got pre-approved finance, you're in the strongest negotiating position in three years. Sellers who listed 12–18 months ago, when the buyer pool was thin, are increasingly ready to deal.

Want to know exactly where the opportunities are in your budget and timeline? Comment "STRATEGY" below or send me a message — happy to walk you through it.

Riaan van Zyl | B.Juris LL.B | eXp Realty / Logic Realty | Cape Town & Overberg

https://www.linkedin.com/pulse/interest-rates-dropping-here-exactly-what-means-your-overberg-riaan-iozwf/

The South African Reserve Bank has cut the repo rate by a cumulative 125 basis points since September 2024. The prime lending rate now sits at 10.

02/09/2026

The best Overberg property deals I've facilitated never appeared on Property24.

They came through a phone call at a local co-op, a note sent to a farm owner, or a referral from a conveyancer. By the time a great property reaches a portal, two or three well-networked buyers have already looked at it — if you're competing purely on-market, you're always playing catch-up.

Read more here:

https://riaanvanz.expsouthafrica.co.za/blog/1fc75c60-3176-455f-a076-2da43eef9a53

Researching the Overberg before you're ready to commit? Start with my AI Buyer Advisor — a calm, obligation-free walkthrough of the market: custom-aisolutions.com/overberg-buyer-advisor

*Riaan van Zyl | B.Juris LL.B | Real Estate Broker & Buyer's Agent | eXp Realty / Logic Realty | Hermanus & the Greater Overberg*

The best Overberg property deals I've facilitated never appeared on Property24.They came through a phone call, a conversation at a local co-op, a note sent to a

31/07/2026

COASTAL PROPERTY WANTED

ANYWHERE IN SA

I have a serious, Swiss investor, looking for the following:

- Seaview is a MUST
- Large stand, with space to develop 10+ holiday units
- Must have an existing house, at least 3 bdr where they can live while developing the stand (They are not willing to rent elsewhere while developing, they want an existing house on the same property, this is not negotiable)
- Budget more or less R10m, depending on the offering. If it warrants a higher price, they will consider it.

Please DM me what you have, thanks.

18/06/2026

🏡 FUN FACT FRIDAY! 🏡

Did you know? 🤔

📈 Homes with dedicated office space are 42% more likely to attract serious buyers.

With more people working remotely and valuing flexibility, a home office has become one of the most sought-after features in today’s market.

💡 Thinking of selling?
Small changes can make a big difference. A spare room, study, or even a well-staged workspace could help your property stand out and attract motivated buyers.

Curious about what buyers are looking for in your area?

📩 Send me a DM or WhatsApp “VALUE” for a free, no-obligation property consultation and market update.

🏡💙

25/05/2026

🌍✨ 𝗛𝗮𝗽𝗽𝘆 𝗔𝗳𝗿𝗶𝗰𝗮 𝗗𝗮𝘆, 𝗦𝗼𝘂𝘁𝗵 𝗔𝗳𝗿𝗶𝗰𝗮! ✨🌍
Today, we celebrate the beauty, diversity, resilience, and incredible potential of our African continent. As we mark 63 years of unity, integration, and development since the founding of the Organisation of African Unity (now the African Union), we are reminded of the strength that comes from working together toward a brighter future.

At eXp South Africa, we are proud to serve the communities that make Africa so extraordinary. Whether you're buying your first home, investing in property, or building your family's future, we're honoured to be part of your journey.

🏡❤️ Africa is more than a place we live—it's a place where dreams are built, communities thrive, and opportunities grow.
𝗛𝗼𝘄 𝗮𝗿𝗲 𝘆𝗼𝘂 𝗰𝗲𝗹𝗲𝗯𝗿𝗮𝘁𝗶𝗻𝗴 𝗔𝗳𝗿𝗶𝗰𝗮 𝗗𝗮𝘆 𝘁𝗼𝗱𝗮𝘆? Share your story in the comments, and let's celebrate our beautiful continent together.
🌍💚🖤💛❤️

09/05/2026

“You could be sitting on more equity than you think…”
Get your FREE home valuation today.
http://154.66.198.46/valuation.html

05/05/2026

🏡 Stylish Fully Furnished 3-Bedroom Home to Rent in Voëlklip

Welcome to this beautifully refurbished and fully furnished home, perfectly positioned in the sought-after Voëlklip area. Designed for comfort and easy living, this property is ideal for tenants looking for a move-in-ready coastal lifestyle.

The home offers 3 spacious bedrooms and 2 modern bathrooms , all thoughtfully updated with a clean, contemporary finish. The main bedroom is warm and inviting, featuring ample natural light, quality furnishings, and a relaxed atmosphere—perfect for unwinding.

The modern kitchen is fully equipped and well laid out, with sleek cabinetry, generous counter space, and quality appliances, making it both functional and stylish. It flows easily into the living areas, creating a practical space for everyday living and entertaining.

Throughout the home, you’ll find neat finishes, neutral tones, and a bright, airy feel , enhanced by natural light and tasteful décor. Being fully furnished, everything is ready for immediate occupation—just bring your suitcase.

📍 Key Features:

3 Bedrooms
2 Bathrooms
Fully furnished
Recently refurbished
Modern, fully equipped kitchen
Bright and well-maintained interiors
Municipal services for tenant’s account (water, electricity, availability charges)
Fibre-ready (tenant to arrange own service provider)
Not pet friendly
Located in the highly desirable Voëlklip area

This is an excellent opportunity for a long-term rental in one of Hermanus’ most popular neighbourhoods, close to beaches, walking trails, and local amenities.