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		<title>O-YES Homeloans</title>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2026/04/09/steady-rates-strong-foundations-why-south-africas-property-market-continues-to-show-resilience/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2026/04/09/steady-rates-strong-foundations-why-south-africas-property-market-continues-to-show-resilience/]]></link>
			<title>Steady Rates, Strong Foundations: Why South Africa’s Property Market Continues to Show Resilience</title>
			<pubDate><![CDATA[Thu, 09 Apr 2026 04:53:52 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2025/11/24/sa-interest-rates-are-back-to-pre-covid-levels-and-thats-great-news-for-homebuyers/]]></guid>
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			<title>SA Interest Rates Are Back to Pre-COVID Levels And That’s Great News for Homebuyers</title>
			<pubDate><![CDATA[Thu, 09 Apr 2026 04:48:26 +0000]]></pubDate>
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			<link><![CDATA[https://o-yeshomeloans.co.za/2026/02/08/transfer-duty-vs-transfer-fees-what-you-need-to-know/]]></link>
			<title>Transfer Duty vs Transfer Fees: What You Need to Know</title>
			<pubDate><![CDATA[Thu, 09 Apr 2026 04:48:14 +0000]]></pubDate>
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			<title>Contact</title>
			<pubDate><![CDATA[Mon, 20 Apr 2026 11:59:51 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2025/05/05/build-or-buy-making-the-big-decision-when-it-comes-to-your-home/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2025/05/05/build-or-buy-making-the-big-decision-when-it-comes-to-your-home/]]></link>
			<title>Build or Buy? Making the Big Decision When It Comes to Your Home</title>
			<pubDate><![CDATA[Mon, 05 May 2025 11:55:48 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2025/04/07/how-the-vat-increment-affects-homebuyers-and-how-o-yes-home-loans-can-help/]]></guid>
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			<title>How the VAT Increment Affects Homebuyers and How O-YES Home Loans Can Help</title>
			<pubDate><![CDATA[Mon, 07 Apr 2025 12:46:46 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2025/03/24/good-news-for-homebuyers-interest-rate-stays-at-11-heres-what-it-means-for-you/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2025/03/24/good-news-for-homebuyers-interest-rate-stays-at-11-heres-what-it-means-for-you/]]></link>
			<title>Good News for Homebuyers: Interest Rate Stays at 11% – Here’s What It Means for You!</title>
			<pubDate><![CDATA[Mon, 24 Mar 2025 12:20:46 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/11/29/navigating-the-purchase-of-repossessed-homes/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/11/29/navigating-the-purchase-of-repossessed-homes/]]></link>
			<title>Navigating the Purchase of Repossessed Homes</title>
			<pubDate><![CDATA[Wed, 29 Nov 2023 11:49:05 +0000]]></pubDate>
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			<link><![CDATA[https://o-yeshomeloans.co.za/2024/07/03/the-advantages-of-property-insurance/]]></link>
			<title>The advantages of property insurance</title>
			<pubDate><![CDATA[Wed, 03 Jul 2024 08:07:52 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2025/02/27/what-credit-score-do-you-need-to-buy-a-home-in-south-africa/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2025/02/27/what-credit-score-do-you-need-to-buy-a-home-in-south-africa/]]></link>
			<title>What Credit Score Do You Need to Buy a Home in South Africa?</title>
			<pubDate><![CDATA[Thu, 27 Feb 2025 09:59:59 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2024/03/14/ways-to-reduce-your-home-loan-interest-rate-in-2024/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2024/03/14/ways-to-reduce-your-home-loan-interest-rate-in-2024/]]></link>
			<title>Ways to Reduce Your Home Loan Interest Rate in 2024</title>
			<pubDate><![CDATA[Thu, 14 Mar 2024 07:31:31 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2024/09/27/why-you-should-work-with-estate-agents-when-selling-your-home/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2024/09/27/why-you-should-work-with-estate-agents-when-selling-your-home/]]></link>
			<title>Why You Should work with Estate Agents When Selling Your Home</title>
			<pubDate><![CDATA[Fri, 27 Sep 2024 13:00:19 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2024/10/25/discover-your-new-home-loan-affordability-with-the-latest-interest-rate-cut/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2024/10/25/discover-your-new-home-loan-affordability-with-the-latest-interest-rate-cut/]]></link>
			<title>Discover your new home loan affordability with the latest interest rate cut</title>
			<pubDate><![CDATA[Fri, 25 Oct 2024 09:49:39 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2024/01/19/how-can-i-remove-my-name-from-the-credit-bureau-in-south-africa/]]></guid>
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			<title>How Can I Remove My Name from the Credit Bureau in South Africa?</title>
			<pubDate><![CDATA[Fri, 19 Jan 2024 11:34:40 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/10/04/if-your-home-loan-application-was-rejected-because-of-affordability-concerns-here-are-steps-to-consider/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/10/04/if-your-home-loan-application-was-rejected-because-of-affordability-concerns-here-are-steps-to-consider/]]></link>
			<title>If your home loan application was rejected because of affordability concerns, here are steps to consider</title>
			<pubDate><![CDATA[Wed, 04 Oct 2023 10:29:39 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/08/22/the-process-of-applying-for-a-home-loan-in-south-africa/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/08/22/the-process-of-applying-for-a-home-loan-in-south-africa/]]></link>
			<title>The Process of Applying for a Home Loan in South Africa</title>
			<pubDate><![CDATA[Tue, 22 Aug 2023 10:51:48 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/11/03/financing-your-home-renovation-what-you-need-to-know/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/11/03/financing-your-home-renovation-what-you-need-to-know/]]></link>
			<title>Financing Your Home Renovation: What You Need to Know</title>
			<pubDate><![CDATA[Fri, 03 Nov 2023 08:15:12 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/10/10/enhancements-that-boost-both-your-homes-value-and-its-eco-friendliness/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/10/10/enhancements-that-boost-both-your-homes-value-and-its-eco-friendliness/]]></link>
			<title>Enhancements that boost both your home&#8217;s value and its eco-friendliness</title>
			<pubDate><![CDATA[Tue, 10 Oct 2023 07:27:08 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2024/11/29/the-benefits-of-spending-money-during-the-festive-season-to-build-your-credit-score-and-prepare-for-homeownership-in-2025/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2024/11/29/the-benefits-of-spending-money-during-the-festive-season-to-build-your-credit-score-and-prepare-for-homeownership-in-2025/]]></link>
			<title>The Benefits of Spending Money During the Festive Season to Build Your Credit Score and Prepare for Homeownership in 2025</title>
			<pubDate><![CDATA[Fri, 29 Nov 2024 14:54:41 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/09/18/the-benefits-of-purchasing-a-home-amidst-high-interest-rates/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/09/18/the-benefits-of-purchasing-a-home-amidst-high-interest-rates/]]></link>
			<title>The Benefits of Purchasing a Home Amidst High-Interest Rates</title>
			<pubDate><![CDATA[Mon, 18 Sep 2023 09:39:21 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/08/14/benefits-of-utilising-a-home-loan-comparison-service/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/08/14/benefits-of-utilising-a-home-loan-comparison-service/]]></link>
			<title>Benefits of utilising a home loan comparison service</title>
			<pubDate><![CDATA[Mon, 14 Aug 2023 08:15:32 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/07/19/what-steps-should-you-take-if-you-find-it-challenging-to-meet-your-bond-repayment-obligations/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/07/19/what-steps-should-you-take-if-you-find-it-challenging-to-meet-your-bond-repayment-obligations/]]></link>
			<title>What steps should you take if you find it challenging to meet your bond repayment obligations?</title>
			<pubDate><![CDATA[Wed, 19 Jul 2023 11:24:23 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/07/12/navigating-offers-choosing-the-right-path-as-a-seller/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/07/12/navigating-offers-choosing-the-right-path-as-a-seller/]]></link>
			<title>Navigating Offers: Choosing the &#8220;Right&#8221; Path as a Seller</title>
			<pubDate><![CDATA[Wed, 12 Jul 2023 07:36:27 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/04/11/how-do-you-buy-out-a-partner-in-a-house-in-sa/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/04/11/how-do-you-buy-out-a-partner-in-a-house-in-sa/]]></link>
			<title>How do you buy out a partner in a house in SA?</title>
			<pubDate><![CDATA[Tue, 11 Apr 2023 13:10:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/]]></link>
			<title>Home</title>
			<pubDate><![CDATA[Mon, 17 Jul 2023 10:54:06 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/08/01/improving-your-credit-score-smart-strategies-for-financial-success/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/08/01/improving-your-credit-score-smart-strategies-for-financial-success/]]></link>
			<title>Improving Your Credit Score: Smart Strategies for Financial Success</title>
			<pubDate><![CDATA[Tue, 01 Aug 2023 11:36:28 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/services/home-loans/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/services/home-loans/]]></link>
			<title>Home Loans</title>
			<pubDate><![CDATA[Thu, 13 Jul 2023 14:27:59 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/frequently-asked-questions/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/frequently-asked-questions/]]></link>
			<title>Frequently Asked Questions</title>
			<pubDate><![CDATA[Mon, 17 Jul 2023 10:57:07 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/services/testimonials/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/services/testimonials/]]></link>
			<title>Testimonials</title>
			<pubDate><![CDATA[Mon, 17 Jul 2023 10:56:07 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/services/insurance/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/services/insurance/]]></link>
			<title>Insurance</title>
			<pubDate><![CDATA[Mon, 17 Jul 2023 10:55:58 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/services/pre-qualify/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/services/pre-qualify/]]></link>
			<title>Pre-Qualify</title>
			<pubDate><![CDATA[Mon, 17 Jul 2023 10:55:19 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/07/04/understanding-the-implications-of-an-offer-to-purchase-key-points-to-consider/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/07/04/understanding-the-implications-of-an-offer-to-purchase-key-points-to-consider/]]></link>
			<title>Understanding the implications of an offer to purchase: key points to consider</title>
			<pubDate><![CDATA[Tue, 04 Jul 2023 13:24:41 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/01/30/how-long-does-it-take-to-clear-your-name-from-the-credit-bureau/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/01/30/how-long-does-it-take-to-clear-your-name-from-the-credit-bureau/]]></link>
			<title>How long does it take to clear your name from the credit bureau?</title>
			<pubDate><![CDATA[Mon, 30 Jan 2023 08:49:25 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/06/19/originators-play-a-pivotal-role-in-generating-savings-for-both-banks-and-consumers/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/06/19/originators-play-a-pivotal-role-in-generating-savings-for-both-banks-and-consumers/]]></link>
			<title>Originators play a pivotal role in generating savings for both banks and consumers</title>
			<pubDate><![CDATA[Mon, 19 Jun 2023 08:23:48 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/05/02/property-auctions-how-they-work-and-what-you-need-to-know/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/05/02/property-auctions-how-they-work-and-what-you-need-to-know/]]></link>
			<title>Property Auctions: How they work and what you need to know</title>
			<pubDate><![CDATA[Wed, 03 May 2023 10:18:13 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/05/30/unraveling-the-process-of-bond-registration/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/05/30/unraveling-the-process-of-bond-registration/]]></link>
			<title>Unraveling the Process of Bond Registration</title>
			<pubDate><![CDATA[Tue, 30 May 2023 11:04:50 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/04/24/what-happens-after-you-make-an-offer-on-a-house/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/04/24/what-happens-after-you-make-an-offer-on-a-house/]]></link>
			<title>What happens after you make an offer on a house?</title>
			<pubDate><![CDATA[Mon, 24 Apr 2023 06:51:43 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/04/17/offer-to-purchase-subject-to-sale-of-property/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/04/17/offer-to-purchase-subject-to-sale-of-property/]]></link>
			<title>Offer to purchase subject to sale of property</title>
			<pubDate><![CDATA[Mon, 17 Apr 2023 07:19:32 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/05/15/what-do-attorneys-fees-include-when-buying-a-house/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/05/15/what-do-attorneys-fees-include-when-buying-a-house/]]></link>
			<title>What do attorneys fees include when buying a house?</title>
			<pubDate><![CDATA[Mon, 15 May 2023 06:12:06 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/06/12/what-precisely-constitutes-an-interest-rate-and-how-does-it-impact-the-repayment-of-your-bonds/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/06/12/what-precisely-constitutes-an-interest-rate-and-how-does-it-impact-the-repayment-of-your-bonds/]]></link>
			<title>What precisely constitutes an interest rate, and how does it impact the repayment of your bonds?</title>
			<pubDate><![CDATA[Mon, 12 Jun 2023 08:00:16 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/05/08/can-you-put-offers-on-multiple-houses/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/05/08/can-you-put-offers-on-multiple-houses/]]></link>
			<title>Can you put offers on multiple houses?</title>
			<pubDate><![CDATA[Mon, 08 May 2023 07:43:33 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/06/05/important-considerations-prior-to-signing-an-offer-to-purchase-otp/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/06/05/important-considerations-prior-to-signing-an-offer-to-purchase-otp/]]></link>
			<title>Important Considerations Prior to Signing an Offer to Purchase (OTP)</title>
			<pubDate><![CDATA[Mon, 05 Jun 2023 06:20:43 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/05/01/paying-the-conveyancing-attorney-what-are-conveyancer-fees-2/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/05/01/paying-the-conveyancing-attorney-what-are-conveyancer-fees-2/]]></link>
			<title>Paying the conveyancing attorney. What are conveyancer fees?</title>
			<pubDate><![CDATA[Mon, 01 May 2023 06:56:25 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/02/20/plot-and-plan-the-pros-cons-what-you-need-to-know/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/02/20/plot-and-plan-the-pros-cons-what-you-need-to-know/]]></link>
			<title>Plot and plan: The pros &#038; cons – what you need to know</title>
			<pubDate><![CDATA[Mon, 20 Feb 2023 07:04:47 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/02/16/avoid-overcapitalising-on-your-home-renovations/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/02/16/avoid-overcapitalising-on-your-home-renovations/]]></link>
			<title>Avoid overcapitalising on your home renovations</title>
			<pubDate><![CDATA[Thu, 16 Feb 2023 06:48:00 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/01/23/when-do-you-start-paying-your-bond/]]></guid>
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			<title>When do you start paying your bond?</title>
			<pubDate><![CDATA[Mon, 23 Jan 2023 06:49:48 +0000]]></pubDate>
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			<pubDate><![CDATA[Mon, 17 Jul 2023 10:57:15 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/01/16/will-my-partners-poor-credit-score-affect-our-joint-home-loan-application-2/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/01/16/will-my-partners-poor-credit-score-affect-our-joint-home-loan-application-2/]]></link>
			<title>Will my partner’s poor credit score affect our joint home loan application?</title>
			<pubDate><![CDATA[Mon, 16 Jan 2023 08:32:29 +0000]]></pubDate>
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			<guid><![CDATA[https://o-yeshomeloans.co.za/2023/01/09/does-pre-approved-mean-approved/]]></guid>
			<link><![CDATA[https://o-yeshomeloans.co.za/2023/01/09/does-pre-approved-mean-approved/]]></link>
			<title>Does pre-approved mean approved?</title>
			<pubDate><![CDATA[Mon, 09 Jan 2023 07:30:17 +0000]]></pubDate>
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			<pubDate><![CDATA[Fri, 30 Sep 2022 04:43:55 +0000]]></pubDate>
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