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Design your home with a building loan
Building or renovating? We’ll make sure things go as planned. From getting finance to paying contractors − leave it all to us.
Benefits of a building loan
How building loans work
We’ll make payments straight to the contractors on your behalf once they’ve started working, with your permission.
You pay only the interest while the construction is taking place. If you have an existing loan and are renovating, you’ll continue to pay your existing loan and interest on the building loan.
You’ll only start paying the full monthly instalment once the construction has been completed and you advise us to make the final payment to the builder.
Taking the first steps
Whether you’re building a new home or renovating your existing one, it’s important to plan and budget. Here are some of the early steps you should be taking:
- Look at your monthly finances and use our affordability calculator or pre-approval tool to see how much you can afford to spend.
- If you have a single or joint income of at least R10,000 a month and a healthy credit record, you may qualify for a building loan.
- Use your finance info to decide on a budget and the loan amount you’ll need to finance the project.
- Get all the documents that you’ll need to apply for the building loan ready.
- Complete your architectural designs and get approval from your municipality for building your new home or renovations to your existing home.
- Hire NHBRC approved building contractors and finalise the building plans and contract with your builder.
- Remember that while construction takes place, you still need to pay the interest on the building loan, as well as your current home loan instalment or rent depending on your living arrangements.
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 offerGet 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 offerProgress payments
Manage your building loan progress payment requests easily using Online Banking.
Visit Online BankingPreferential 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*Terms and conditions apply
Download our 2023 pricing brochure (PDF) for home loans.