It took Lindiwe Buthelezi, an executive personal assistant at one of Joburg’s private hospitals, at least five years to save money, improve her credit record and to buy a house that best suits her family’s needs and her financial commitments.

“Buying a house is not child’s play. It can be stressful and very intimidating if you go into it unprepared. After all, it’s a long-term commitment that shouldn’t be taken lightly,” said Buthelezi, reflecting on her journey to becoming a first-time home owner, which she accomplished in January...