Gene Vd Merwe Incorporated

24/04/2026

10/04/2026

The SARB has taken a ‘prudent approach,' said Governor Lesetja Kganyago in the decision to keep the repo rate unchanged at 6.75% and the prime lending rate at 10.25%.

02/04/2026

29/01/2026

PLEASE NOTE** CHANGE IN ADDRESS**
100 Elizabeth Road, El Ridge Office Park, Block C Unit 8C, Bartlett, Boksburg

29/01/2026

What you think, you become. 💭✨
Every choice, action and outcome begins with a thought. When you shift your mindset toward positivity, growth and possibility, your life naturally starts to reflect it. This week, be intentional about the thoughts you allow in — they’re quietly shaping your future. 💪

29/01/2026

Your home’s gutters are a crucial defence mechanism, quietly working to channel rainwater safely away from the roof, walls and foundation. When gutters are blocked, standing water can rapidly cause costly damage, leading to leaks and decayed fascia boards. Regular, simple maintenance protects your structural integrity and safeguards your property value. Prioritising gutter care is a smart investment that prevents expensive, unexpected repairs down the line.

Here are five simple steps for effective gutter maintenance:

Clear Debris Twice Yearly
Schedule a clean-out in late spring and again after the leaves fall in autumn. Remove all leaves, twigs and sediment using a trowel and protective gloves.

Test the Flow
Once cleared, use a hosepipe to flush the gutters and downspouts. This reveals any hidden clogs. If water backs up, a stubborn blockage needs to be addressed.

Check for Leaks
Inspect the gutter runs for rust spots, holes or cracks, particularly at the joints. Repair minor breaches immediately with sealant to prevent drips.

Confirm the Slope
Visually check that the gutters are sloped towards the downspouts. If sections are sagging, re-secure them to the fascia board.

Prune Nearby Trees
Minimise future work by trimming any overhanging branches. Less foliage over the roof means fewer leaves and debris landing in your channels.

29/01/2026

MODERN FOUR BEDROOM - RAVENWOOD DOORSTEP - BOKSBURG NORTH!!!

29/01/2026

Expansive 4-bedroom Family Home with Flatlet in Freeway Park

29/01/2026

Security or Savings - understand the trade-off that determines your monthly bond repayment.

Choosing between a fixed and a variable interest rate determines whether your monthly bond repayments stay predictable or fluctuate with the market. Your home loan is usually granted at a variable rate, linked directly to the prime lending rate. You can apply for a fixed rate at any time.

Variable Interest Rate
Your interest rate moves with changes to the SARB Repo Rate. If the rate rises, your repayment goes up immediately; if it drops, you save instantly.
Pros: The variable rate is usually lower than the fixed rate, which means lower repayments from day one. You benefit right away from any rate cuts.
Cons: Your monthly payments are unpredictable. Sudden hikes could strain your budget.
Choose a variable rate if your budget can absorb occasional spikes, and you want to take advantage of potential rate drops.

Fixed Interest Rate
Your interest rate is locked for an agreed period (usually up to 5 years) and is unaffected by market changes.
Pro: Predictable repayments make budgeting easy, and you’re protected from unexpected rate increases.
Cons: Fixed rates can be 0.50% - 2% higher than variable rates. If the Reserve Bank cuts rates, you miss out on potential savings.
Choose a fixed rate if stability is key or if you want to trade potential savings for peace of mind.

Expert Advice: Economic forecasts suggest interest rates will stay steady early in 2026, with small cuts likely later in the year. Variable rates could gradually decrease, but any reductions will probably be modest.

Are you unsure which rate best suits your financial profile? Let me introduce you to a qualified bond priginator who can model both scenarios for your specific budget.

E & OE

29/01/2026

January may seem quiet on the property market, but savvy buyers know it’s the perfect time to act. With less competition, motivated sellers, and strategic opportunities, early-year buyers can secure better deals - if they know how to navigate the market.