What would you like to do?

building loan
Get a building loan
tracking loan
Complete or track your home loan application
manage loan
Manage your home loan account
profile user personal
Switch your home loan to Nedbank
house illustration

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.

House search illustration

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

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
attorney fees

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
cash back

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 rate

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 offer

Work out your affordability, bond repayments and transfer costs

Tell us how much you earn and we'll give you an estimated loan amount.
Your monthly gross income tooltip text
R
Total monthly expenses tooltip text
R
Choose your loan repayment term

  • 60
  • 120
  • 180
  • 240
  • 300
  • 360
Estimated loan amount tooltip text

R0

Estimated monthly repayments tooltip text

R0

Once-off costs tooltip text

R0

Current interest rate tooltip text

3%

18%

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 The total amount you spend on your household upkeep, such as buying groceries, clothing, toiletries, pet food and paying for domestic and gardening services.
R
Utilities The monthly amount you spend to cover things like electricity, water, levies and rates and taxes.
R
Credit and loan repayments The total monthly repayments on your loans, credit cards, vehicle finance and store accounts.
R
Health and insurance The amount you spend on things like life insurance, car and home insurance, funeral policies, gym and medical aid.
R
Entertainment The total amount you spend on things like Netflix, DSTV, takeouts, movies, Showmax and Amazon Prime.
R
Phone and data This is the total amount you spend on phone contracts, data and airtime.
R
Education The amount you spend towards your studies and for paying school fees for you or your kids.
R
Travel This is the total amount you spend on transport, petrol and car repairs/servicing.
R
Additional expense   Remove
Expense type
The amount you spend monthly tooltip text
R
Add additional expense
Total monthly expenditure tooltip text

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

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. 

Your monthly repayments will be based on your home loan amount and repayment term.
Purchase price tooltip text
R
Deposit (optional) tooltip text
R
Choose your loan repayment term

  • 60
  • 120
  • 180
  • 240
  • 300
  • 360
Monthly instalment tooltip text

R0.00

Deposit tooltip text

R0.00

Once-off costs tooltip text

R0.00

Current interest rate tooltip text

0.25%

27.5%

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.
Tell us more about the property you are buying
Purchase price tooltip text
R
Deposit (optional) tooltip text
R
Total once-off costs tooltip text

R0.00

Deposit tooltip text

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 application

Home solutions that will save you money

housing subsidy

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
edge developments

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

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
homevision

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 more

Our 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.

Pocket

Earn Greenbacks for making your repayments

Level up and unlock higher Greenbacks rates simply by staying up to date with your monthly home loan repayments

More on your fees, payments and bond cancellation

financial details

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)
income

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

Settlement and cancellation

Settling your home loan is a huge financial achievement. We'd like to guide you through the legal processes involved.

Learn more