The benefits of borrowing money from your home loan account

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It's affordable

Compared to credit cards, personal loans or overdrafts, a home loan is typically the cheapest form of debt.

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It's convenient

You can leverage your home loan for access to extra cash when you need it. Simply choose the option that suits you best.

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It's simple

Once approved, the money is paid directly into your bank account, giving you the freedom to use your money when and how you need to.



Get extra cash from your home loan without the added paperwork. To make use of NedRevolve, simply increase your monthly debit order or make additional payments into your account.

  • By depositing extra money into your home loan account, you get to save money as you will pay less interest on your monthly instalment.
  • To withdraw the extra money, simply transfer it back into your Nedbank account using the Money app or Online Banking.
  • Keep in mind that your monthly instalment will increase whenever you withdraw the extra money paid into your NedRevolve facility.
  • To use NedRevolve, you'll need to have or open a Nedbank transactional account.
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Every monthly instalment you pay reduces the principal debt. A readvance gives you access to the portion of the principal debt you have already paid. It's simpler than registering an additional bond and the money is readily available.

  • Apply for a readvance from R15,000 up to the full amount of the principal debt you have paid off.
  • A credit and property assessment will be conducted and your interest rate and fees may change.
  • Use our HomeVision feature to register for a bond higher than your loan amount and you'll have quicker access to the extra money at any time during your loan term.
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Further Loan

Further Loan

You can apply for an additional loan of R50,000 or more through your home loan account if:

  • your home has increased in value since the original loan was granted;
  • your home had a surplus value at the time of original registration; or
  • you'll be using the loan to improve your home and increase its value.

Things to note:

  • It can take up to 3 months to approve, finalise and register your further loan.
  • You'll need to pay the initiation and additional bond registration fees. 
  • Your interest rate and fees may change in line with your new loan agreement.
Apply now

Future-proof the possibilities

HomeVision allows you to register a higher bond upfront – giving you access to extra funds, which you may use in future.

Renewable-energy finance

Finance a solar-energy solution through your home loan – a reliable and convenient way to save on your monthly electricity bill.

Get the Money app

For a secure and convenient way to manage your money, open an account, get a loan, or even buy gift and prepaid vouchers: get the Nedbank Money app.

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