Malinda Brasler

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.

The housing market can be highly competitive, with desirable properties often selling quickly and sometimes even before being advertised online or in print. This can be frustrating for prospective buyers, particularly those aiming to secure their ideal home at an affordable price. Despite these challenges, there are effective strategies to help you stay ahead of the competition and successfully navigate the home-buying process.

Selling a home is a significant financial move, often carrying deep emotional weight. Beyond the financial calculations and market considerations, the emotional attachment we form with our homes can create a barrier to a smooth and profitable sale. This emotional attachment can sometimes lead to what is known as "ownership bias" — a psychological phenomenon that can hinder the selling process and potentially reduce your chances of achieving a timely sale at full market value.