For many South Africans, owning a home remains one of the biggest financial goals, but the reality of what you can actually afford is shaped by far more than simply adding two salaries together. From interest rates and bond repayments to household expenses, location and the price of property, affordability can quickly become complicated. Kefentse Mkhari is in conversation with Property investors and founders of Nong wealth , Lebo and  Neo Nong, to look at the numbers, the challenges facing prospective homeowners, and what buyers need to consider before taking on a home loan.