Munaka Muthambi Breaks Down How She Bought Her First Sandton Property in 9 Steps
- Munaka Muthambi, a South African TikTok personality and TV presenter, shared how she bought a Sandton property as a self-employed content creator
- She negotiated the asking price down from R1.7 million to R1.6 million and revealed that FNB was the only bank that approved her home loan
- South Africans flooded the comments praising her for making property ownership feel achievable
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Source: TikTok
Munaka Muthambi is a homeowner. The South African content creator, presenter, and Selimathunzi television personality shared a step-by-step video on 27 October 2026 breaking down exactly how she bought her first property in Sandton as a self-employed creator.
Munaka, who goes by @mooo.nakaa on TikTok, filmed the clip at home in a direct-to-camera style, walking her followers through nine steps she took from deciding what she wanted to buy all the way through to meeting the attorneys.
How Munaka negotiated her Sandton property
She started with clarity. Munaka said she knew early on that she wanted an Airbnb unit in Sandton. The property was listed at R1.7 million, but she negotiated it down to R1.6 million before signing the offer to purchase.
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The home loan process proved to be the hardest part. Being self-employed, she said banks made things extremely difficult. One institution asked her to put down a R600,000 deposit before they would fund the rest. She approached FNB, Absa, Nedbank, and Standard Bank, and said FNB was the only one that came through with her mortgage.
Her advice to other self-employed buyers was straightforward: pay yourself a salary, keep your financial documents in order, and make sure you are tax compliant before approaching any bank.
She also touched on the costs many first-time buyers overlook, including transfer costs, registration fees, and monthly levies. Munaka bought a sectional title unit, meaning she contributes to a body corporate that covers shared expenses like lifts and garden upkeep. She recommended asking a neighbour for a levy statement before signing anything, just to avoid surprises.
She ended the video by confirming she has since become an Airbnb Superhost and promised a follow-up on how she furnished the apartment.
Watch Munaka walk through all nine steps in her own words:
Mzansi reacts to Munaka's property journey
South Africans took to the comments section on Munaka's TikTok with a mix of admiration, humour, and genuine questions:
@unknown._tina wrote:
"Why does it sound so complicated 😭😭"
@Buhlale|SnatchedRytDistributor said:
"I knew I wasn't following you for no reason!! Such a smart girlie 🥺🤏"
@lindi, who identified herself as a real estate agent, added:
"Congratulations mami! You explained it so nicely!! 💃🏾💃🏾💃🏾 Real estate agent here ✋🏾: the bond repayments go up to 30 years."
@CZN | YT: CHICH NYAMA noted:
"Buying a property as someone who's self-employed is crazyyyy. Showed me flames."
@Karabelo Ramabodu🧿The Elite said:
"FNB is such a sweetheart! Give me FNB anytime! Any day!"
@Taet reacted:
"I'm hearing this for free??? 😱"
@South Africa 🇿🇦✊✊ added:
"This are the things we wanna see on the podcast."
Disclaimer: Briefly News does not provide financial advice. Readers should consult a qualified financial adviser before making financial decisions.
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Source: Briefly News
