We were married overseas, which I found out translates to COP here because no ANC existed. I bought the place before I even met her though, been paying the bond for quite a while, so it's just in my name.
Market rates at the moment would be ~7000/m which would put her above the threshold, except if she were to claim deductions of the bond interest which is still about 4k per month. I'm just not sure whether that would be allowed with SARS since the bond is in my name. I guess I should find a tax accountant and ask these questions...