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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. 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.
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Become the master of your journey
In the market for a new house? The key to making the right choice for you and your family begins with the know-how to make a well-informed decision at every turn of your home-buying journey. Here are a few tips and guides to help you along.
Use our Home-buying Toolkit
For anytime, anywhere convenience, our Home-buying Toolkit is the perfect, all-in-one solution to help you search for properties, download free reports, get pre-approval and apply for a loan.
Up to R20,000 cash back on your home loan - guaranteed if you apply online.
How to get the R20,000 cash back
Step 1 | See how much you qualify for
Use our pre-approval tool to see how much you may qualify for.
Step 2 | Apply for your home loan
Once approved, you can submit your application online or on the Money app.
Step 3 | Open an account
If you don't bank with us, you'll need to open a transactional account and switch your salary to it.
Step 4 | Get cash back
Once your bond has been approved and registered, we'll pay the 1% cash back on your home loan into your Nedbank account.
What to consider
There’s a lot more that goes into buying a property than just the purchase price. Whether you are thinking of buying, are looking for the right property or are ready to seal the deal, we recommend that you keep all of the following in mind.
When is a good time to buy?
In a buyer's market
It is important to consider whether the timing of your purchase is within a buyer's or seller’s market. In a buyer's market there are more homes for sale and fewer buyers, which means lower prices and more room to negotiate.
When you have a plan
Whether you plan to cancel a lease, rent, sell, or retain your current property as an investment, you need to make sure that you have a plan for alternative accommodation until you can move into your new home.
When you have more choice
Considering the availability of property on the market can help you set realistic expectations, plan your housing search effectively, and make informed decisions about your timing and buying strategy.
Additional costs
Having a clear understanding of what you can truly afford is essential when planning to buy a home. Over and above the purchase price of a property and the bond and transfer costs, there are other additional expenses that you may want to keep in mind.
Rates and taxes
Every month, you will need to pay the municipality for the services and area maintenance they provide. These fees will depend on your property value and the area that your property is in.
Levies
If you buy property inside of a complex or estate, you’ll need to pay monthly levies to the body corporate or homeowners association that is responsible for maintenance. The levies may cover expenses such as security, gardening, insurance and repair of common areas.
Home and credit insurance
Buying a property is a big investment. Make sure that you are well protected if anything happens to you or your property. We recommend that you secure a good building and credit life insurance policy.
Property maintenance
It’s important to consider what it will cost to maintain a safe and comfortable home. Features like gardens and pools will have an impact on your monthly maintenance costs.
Unexpected costs
Be sure to save for unexpected costs so that you always have some money set aside for things like unplanned repairs. We recommend that you check with your insurance provider if you are covered for unexpected events like a burst geyser or leaking roof.
Security
To keep your home safe, you may need to look into armed response, area watch services or the addition of physical security features like an electric fence or alarm system. You can also have a look at crime statistics in the area where you plan to buy at crimestatssa.com.
Now that you've mastered the basics, see what can afford
Use calculatorLearn more about buying property
See allBefore you apply, use our calculator to see if you can afford the repayments
- 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
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Total monthly expenses
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- 60
- 120
- 180
- 240
- 300
- 360
R0
R0
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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
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Utilities
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Credit and loan repayments
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Health and insurance
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Entertainment
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Phone and data
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Education
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Travel
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Additional expense
Remove 
Expense type
The amount you spend monthly
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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.
Things to look out for when searching for a property
Find a propertyLooking for the right property?
Here are some things you should look for when house hunting.
Choice, and convenience
Our Nedbank home loan offering provides you with more than just a way to finance your purchase. Why not take advantage of our Home-buying Toolkit to search for houses, get property reports and so much more? It's easily available to you online or on the Money app.
Eco-friendly housing
Buying an EDGE-accredited home guarantees you a minimum saving of 20% on your monthly water and electricity bill. Learn more about this eco-friendly housing alternative.
Repossessed properties
A repossessed property has great cost-saving benefits, include no transfer duty. It may be worth having a look into this option
Factors to consider when looking for a property
Property’s features
What type of property suits your lifestyle and your budget? It’s important to weigh up the perks and costs of apartment and complex living versus stand-alone houses, as well as what appliances you want to be pre-installed and what facilities – like pools and gardens – you’re willing to pay maintenance for.
Neighbourhood
When deciding on a neighbourhood, look at the lifestyle you want, what services and businesses are nearby and noise levels. You may need to think about the neighbourhood’s proximity to other important aspects of your life, like schools, work or medical facilities. Safety is another important feature to consider, as well as the area’s zoning.
Property’s condition
Is it a ‘fixer-upper’ that you will need to renovate, or does it just need fresh paint? When looking at the property, consider its age and condition (eg walls, roof, plumbing, electricals, etc).
Location
Location impacts the value of your property and the cost of travel to places like work, schools and shops. It’s important to factor in the time you will spend travelling, the surrounding community, and access to major roads.
Ready? Now find the solution that's best for you.
Explore solutionsWhich home loan solution will suit you best?
Your home-buying journey is unique to you. Before you make that move, we recommend that you find the solution that best suits your needs.
Are you buying your first home?
This is a huge deal! To help you along, we've put together some custom solutions that will make this once-in-a-lifetime journey, a memorable nd affordable one.
Renewable-energy finance
Get up to 110% home loan and use the extra 10% to cover the cost of your solar or alternative energy solution.
Save more on your next home loan
In the market for your next home or investment property? Apply for another home loan with us and we'll give you up to 0,75% off your interest rate. This is a great way to save money on your monthly repayments.
Why choose a Nedbank home loan?
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.
Find out more
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 this special rate.
Find out more
Up to 50% off your bond registration
We offer a discount of up to 50% off on the attorney bond registration fee to clients who take up their home loan with us.
Find out more
Extra funds with HomeVision
HomeVision allows you to register a higher bond than your home loan amount – giving you access to extra funds that you can use in future.
Find out moreWhat 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 require.
3. Property assessment
We’ll conduct an assessment to make sure 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, pay the relevant attorney fees and thereafter 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.