Adelaide van Wyk

With 12 years of experience in Namibia’s real estate industry, Maritza Stephansen of Step Up Properties has built a reputation not just as a skilled commercial property agent but as someone who truly understands the dreams behind each deal. Her journey into the property world was driven by a desire to help people - to be part of the moment when business owners take the next step in growing their legacy.

For many Namibians, buying a home is one of the biggest financial decisions they’ll ever make. But in 2026, affordability isn’t just about the price on the listing; it is about interest rates, upfront costs, and how all of that fits into your monthly budget.

Over-capitalisation occurs when the total investment in a property—including the purchase price and renovations—exceeds its market value, leading to potential financial loss when selling. Learn how to avoid over-capitalisation, when it might be a strategic move, and which renovations add value without overspending. Read our expert tips on smart property upgrades in Namibia.