First Time Home Buyers

Our Pay-It-Forward Initiative

At H&M we believe that if you cannot do great things, do small things in a great way and with this aim in mind we are centered on social responsibility and making a difference in the South African Property Market.

One of the current social responsibility initiatives is our “Pay-it-Forward” initiative. In response to all the divide and negativity happening in South Africa right now, the Pay-it-Forward initiative assists first time home buyers financially, bringing the first time home buyer one step closer to owing their first home. To make this circle even bigger please fill in the below form and we will get in touch with you…

Pay-It-Forward Criteria:

  • You must have an income / joint income of R22 800 or less;
  • Purchase Price for the property must be R850 000 or less;
  • You must be a first time home buyer;
  • H&M to assist you with your mortgage bond application.
If you comply with the above criteria, please submit your details below and one of our consultants will contact you.


“It's the action, not the fruit of the action, that's important. You have to do the right thing. It may not be in your power, may not be in your time, that there'll be any fruit. But that doesn't mean you stop doing the right thing. You may never know what results come from your action. But if you do nothing, there will be no result.” ― Mahatma Gandhi

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