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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. Our transfer and bond cost calculations are also estimates.
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Help on your home buying journey
Buying a home is a big step, but we’re here to walk you through it. Here’s what to think about if you’re ready to seal the deal, or still looking for your dream home.
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
Use our calculators to see how much you can afford or get an estimate on bond and transfer costs
- Affordability
- Bond repayment
- Bond and transfer costs
Calculate how much you can afford to spend on a home loan.
Tell us more about your finances
Total monthly gross income
R
Your salary before taxes and deductions.
Please enter a minimum of R2,500.00
Total monthly expenses
R
The total amount you spend on living expenses every month.
What’s your preferred bond repayment term?
- 60
- 120
- 180
- 240
- 300
Estimated loan amount
R0
Estimated monthly repayments
R0
Once-off costs
R0
Current interest rate
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
Total monthly expenditure
R0
| cond | condValue | debtBuffer | expenseBuffer | debtStress | expenseStress | surplusBuffer |
|---|---|---|---|---|---|---|
| LESS_THAN_EQUAL_TO | 10000 | 0.1026017010000 | 1.36306636 | 1.02 | 1.07 | 0.6 |
| LESS_THAN_EQUAL_TO | 15000 | 0.1013535500000 | 1.319440431 | 1.02 | 1.07 | 0.6 |
| LESS_THAN_EQUAL_TO | 20000 | 0.1001053980000 | 1.321738176 | 1.02 | 1.07 | 0.6 |
| LESS_THAN_EQUAL_TO | 25000 | 0.109908105000 | 1.306609407 | 1.02 | 1.07 | 0.6 |
| LESS_THAN_EQUAL_TO | 30000 | 0.1157256980000 | 1.282877395 | 1.02 | 1.07 | 0.6 |
| LESS_THAN_EQUAL_TO | 40000 | 0.1318541410000 | 1.276345131 | 1.02 | 1.07 | 0.6 |
| LESS_THAN_EQUAL_TO | 45000 | 0.1394430720000 | 1.263615732 | 1.02 | 1.07 | 0.6 |
| LESS_THAN_EQUAL_TO | 50000 | 0.1413963310000 | 1.261481222 | 1.02 | 1.07 | 0.6 |
| GREATER_THAN | 50000 | 0.1603055010000 | 1.234109795000 | 1.02 | 1.07 | 0.6 |
| 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 |
Calculate how much your monthly instalment will be.
Tell us more about the property you are looking at
Purchase price
R
Enter the purchase price.
Deposit (optional)
R
Enter the deposit amount you would like to pay.
How long would you need to repay your home loan?
- 60
- 120
- 180
- 240
- 300
Monthly instalment
R0.00
Deposit
R0.00
Once-off costs
R0.00
Current interest rate
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. 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
R
Enter the purchase price.
Deposit (optional)
R
Enter the deposit amount you would like to pay.
Total once-off costs
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.
Why choose a home loan with us?
Get up to 100% of the property value, or up to 105% if you are a first-time home buyer*.
Get a preferential interest rate on your home loan if you bank with us.*
Get up to R20,000* cash back if you apply online or through the call centre.
Get up to 50% off your bond registration fees.
*See the details of our first-time homebuyer offer or find out more about our R20,000 cashback for online home loan applications. You can also learn more about our 50% attorney discount offer here.
Ready to apply for your home loan?
Start your applicationNeed help paying for your home?
Housing subsidy (FLISP)
If you qualify, you can lower your home loan repayments through the Finance Linked individual Subsidy Programme (FLISP).
Find out more
Designed to save you money
Buying an EDGE-accredited home guarantees you savings of up to 20% on your monthly water and electricity bill.
Find out more
Solar energy finance
With a Nedbank home loan, you’ll have access to financed energy solutions that can help reduce your monthly electricity bill.
Find out 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.
Want to know more on the 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
