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Disclaimer: Although we do our best to give you accurate calculations, they will not be binding on us. Our calculations are only examples of how interest rates and fees can affect your repayments. The 30-year bond term option is subject to credit approval and available only to qualifying clients in line with our lending policies. Our transfer and bond cost calculations are also estimates.
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What would you like to do?
Get a building loan
Complete or track your home loan application
Manage your home loan account
Switch your home loan to Nedbank
Need help with your home buying journey?
Buying a home is a pretty big step, but we're here to walk the path with you. Here's what you need to consider whether you are thinking of buying, looking for the right property, or, ready to seal the deal.
Save more on your next home loan
In the market for another home or investment property? Apply for another home loan with us and we'll give you up to 0.5% off your interest rate. A great way to save money on your monthly repayments.
Why choose a Nedbank home loan
Competitive offers
We'll finance up to 100% of the property value, or up to 105% if you are a first-time homebuyer, to cover the bond and transfer costs.
See offer
Get 50% off your attorney fees
We offer a special discount to clients who take up their home loan with us: pay only 50% of your bond registration fee.
See offer
Get 20,000 cash back – guaranteed
Get up to R20,000 cash back on the value of your home loan when you apply online, on the Money app or through our call centre.
See offer
Preferential interest rates
Enjoy a preferential interest rate on your home loan if you bank with us, or switch your main bank account to Nedbank to enjoy the special rate.
See offerWork out your affordability, bond repayments and transfer costs
- Affordability
- Bond repayment
- Bond and transfer costs
Tell us how much you earn and we'll give you an estimated loan amount.
Your monthly gross income
R
Total monthly expenses
R
- 60
- 120
- 180
- 240
- 300
- 360
R0
R0
R0
The interest rate is based on the current prime lending rate in South Africa. Please note that your interest rate will be based on factors such as your credit score and the size of your deposit.
Calculate how much you spend on your monthly expenses
Please add what you spend, where applicable.
Household expenses
R
Utilities
R
Credit and loan repayments
R
Health and insurance
R
Entertainment
R
Phone and data
R
Education
R
Travel
R
Additional expense
Remove 
Expense type
The amount you spend monthly
R
Add additional expense
R0
| cond | condValue | debtBuffer | expenseBuffer | debtStress | expenseStress | surplusBuffer |
|---|---|---|---|---|---|---|
| LESS_THAN_EQUAL_TO | 10000 | 0 | 0 | 0 | 0 | 0.7 |
| LESS_THAN_EQUAL_TO | 15000 | 0 | 0 | 0 | 0 | 0.7 |
| LESS_THAN_EQUAL_TO | 20000 | 0 | 0 | 0 | 0 | 0.7 |
| LESS_THAN_EQUAL_TO | 25000 | 0 | 0 | 0 | 0 | 0.7 |
| LESS_THAN_EQUAL_TO | 30000 | 0 | 0 | 0 | 0 | 0.7 |
| LESS_THAN_EQUAL_TO | 40000 | 0 | 0 | 0 | 0 | 0.7 |
| LESS_THAN_EQUAL_TO | 45000 | 0 | 0 | 0 | 0 | 0.7 |
| LESS_THAN_EQUAL_TO | 50000 | 0 | 0 | 0 | 0 | 0.7 |
| GREATER_THAN | 50000 | 0 | 0 | 0 | 0 | 0.7 |
| cond | condValue | minMFixedAmount | minPercentage | bandMMinimum |
|---|---|---|---|---|
| LESS_THAN_EQUAL_TO | 800 | 0 | 1 | 0 |
| LESS_THAN_EQUAL_TO | 6250 | 800 | 0.0675 | 800.01 |
| LESS_THAN_EQUAL_TO | 25000 | 1541.67 | 0.09 | 6250.01 |
| LESS_THAN_EQUAL_TO | 50000 | 3375 | 0.082 | 25000.01 |
| GREATER_THAN | 50000 | 5425 | 0.0675 | 50000.01 |
Your monthly repayments will be based on your home loan amount and repayment term.
Purchase price
R
Deposit (optional)
R
- 60
- 120
- 180
- 240
- 300
- 360
R0.00
R0.00
R0.00
The interest rate is based on the current prime lending rate in South Africa. Please note that your interest rate will be based on factors such as your credit score and the size of your deposit.
Disclaimer: Although we do our best to give you accurate calculations, they will not be binding on us. Our calculations are only examples of how interest rates and fees can affect your repayments. The 30-year bond term option is subject to credit approval and available only to qualifying clients in line with our lending policies. Our transfer and bond cost calculations are also estimates.
Calculate your bond registration and transfer costs.
Purchase price
R
Deposit (optional)
R
R0.00
Deposit
R0.00
Disclaimer: Although we do our best to give you accurate calculations, they will not be binding on us. Our transfer and bond cost calculations are also estimates. If you are planning to buy property in a new development, some costs may be included in the price. Ask the seller or estate agent for the details of these costs, or check your sales agreement.
Ready to apply for your home loan?
Start your applicationHome solutions that will save you money
Special offer
If you earn less than R29 600 a month, we have a specialised home loan solution that will help you on your home-buying journey.
Learn more
Buy an eco-friendly home
Buying an EDGE-accredited home guarantees you a minimum saving of 20% on your monthly water and electricity bill.
Learn more
Solar-energy finance
A Nedbank home loan enables you to also finance those energy solutions that can help reduce your monthly electricity bill.
Learn more
Our HomeVision offer
Registering a bond that is higher than the loan amount you need gives you access to the extra funds, which you can use in future.
Learn moreOur Home-buying Toolkit makes it even easier
Use our new Home-buying Toolkit on the Money app to get pre-approval, apply for a loan, search for properties and see property reports, from anywhere, anytime.
More on your fees, payments and rewards
Home loan fees
We keep our fees transparent and as low as possible, so you know exactly what you’re paying for, including once-off, monthly and transactional fees.
Download pricing guide (PDF)
DebiCheck
Now you have control to approve debit orders before we process them. This will help you know which payments are coming out of your account, so you are in control of your money.
Learn more
Stand a chance to win
Pay your home loan instalment on time and you could stand to win the balance of your loan, up to R1,5 million with Responsible Borrower.
Learn more
