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.
What would you like to do?
Buy
Finance your dream home
Build
Start from the ground up or renovate
Switch
Move your home loan to Nedbank
Manage
Review your existing home loan
Further lending
Access money from your existing home loan
Our top offers
Up to R20,000 cash back
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 contact centre.
Loan amount Cashback
- R100,000 - R500,000 = R5,000.
- R500,001 - R750,000 = R7,500.
- R750,001 - R1 000,000 = R10,000.
- R1 000,001 - R1 500,000 = R15,000.
- R1 500,001 and above = R20,000.
First-time homebuyer
We'll finance up to 109% if you are a first-time homebuyer to cover these upfront costs:
- Attorney registration fees.
- Property transfer costs.
Buying another home
Enjoy all the usual perks plus an additional discount on your interest rate:
- Get up to 50% off on your attorney fees.
- Get 0,25% off on your interest rate if you are a Nedbank client.
- Get an additional 0,50% off on your interest rate if you take up another home loan with us.
Find the right home solution for you
Get financedPlan ahead Use our home loan calculators to see what you could afford
- 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.
Register extra funds with HomeVision
HomeVision allows you to register a higher bond upfront, giving you access to extra funds, which you may need in future.
Renewable-energy finance
To finance a renewable energy solution for your home, you may:
- Apply for a new home loan of up to 110% and use the extra 10% to cover the cost of the energy solution.
- Use the extra funds that you have saved in your NedRevolve facility.
- Apply for a readvance or further loan on your existing bond.
- Switch your loan to Nedbank to access our renewable energy solutions.
Our Home-buying Toolkit
For your convenience, you can use our Home-buying Toolkit on the Money app or online to get pre-approval, apply for a loan, search for properties and get free property reports.
What to expect when applying for a home loan
1. Submit application
If we need more information to process your application, we’ll let you know.
2. Affordability check
We’ll look at your affordability to see if you’ll be able to cover the monthly repayments on the loan amount you need.
3. Property assessment
We’ll conduct an assessment to make sure that the property value is sufficient as security for the loan you need.
4. Loan offer
If the credit and property assessments are a success, we'll send you a home loan offer, which you will need to accept.
5. The legal stuff
If you accept the loan offer, we’ll appoint an attorney to assist with the conveyancing process. You’ll need to sign the necessary loan documents and pay the relevant attorney fees, then the attorneys will complete the process by lodging your bond with the Deeds Office.
6. Registration
If the deeds office is satisfied, your bond will be registered and you'll become the legal owner of your home.
Fees and bond settlement
A clear fee structure
We keep our fees as low and transparent as possible so that you always know what you are paying for. More details in our pricing guide.
Download pricing guide
Settlement and cancellation
Settling your home loan is a huge financial achievement. To guide you through it, here's everything you need to know about the legal process.
Find out more
