# What qualifies as Income for a Mortgage Bond | South African Real Estate

Page: https://stenobird.com/podcast/the-property-corner-with-rowan-alexander-6317682/what-qualifies-as-income-for-a-mortgage-bond-south-african-real-estate
Text version: https://stenobird.com/podcast/the-property-corner-with-rowan-alexander-6317682/what-qualifies-as-income-for-a-mortgage-bond-south-african-real-estate.md
Podcast: [The Property Corner with Rowan Alexander](https://stenobird.com/podcast/the-property-corner-with-rowan-alexander-6317682)
Published: 2025-10-06T13:00:00+00:00
Episode link: https://podcasters.spotify.com/pod/show/thepropertycorner/episodes/What-qualifies-as-Income-for-a-Mortgage-Bond--South-African-Real-Estate-e395756
Audio file: https://anchor.fm/s/df65a8bc/podcast/play/109271654/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2025-9-6%2F408738981-44100-2-f6544d360c6ad.mp3
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Duration seconds: 971

## Resource

Not all income is seen the same way by the banks. In this episode we explain how banks view different income sources when calculating affordability. We cover salaries, wages, overtime, commissions, shift allowances, bonuses, rental income, maintenance, and even investment income. Each bank applies its own rules and percentages, which means not all of your earnings may count in full. We also highlight what proof you need, why consistency matters, and how a mortgage originator can help match your income to the right bank. If you are applying for your first bond or growing a property portfolio, this guide will help you understand exactly what counts as income. In this episode: 00:00 Introduction 00:44 Salaried Income Earner 01:42 Wage Earner 03:13 Overtime 04:20 Commissions 06:44 Shift Allowances 07:18 Investment Income 08:06 Bonuses 09:21 Maintenance (Child Support) 10:53 Rental Income 13:36 Side Hustles #BondApplication #PropertyInvestingSA #HomeLoanTips #MortgageAdvice #SouthAfricaRealEstate Subscribe to us on your favourite podcast platform : Youtube: http://youtube.com/@propertycornerza Spotify: https://shorturl.at/horJT Apple Podcasts: https://shorturl.at/alFG7

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