Make sure you're eligible to apply for a home loan

Are you a South African resident over the age of 18?

Do you have a single or joint income of at least R2,500 a month?

Are you self-employed, or have a permanent or fixed-term contract?

Do you know if you have a good credit score?

What documents you'll need

A valid South African ID or valid passport and the co-applicants' (if applicable)
The latest 3 months’ payslips or other proof of income for you and the co-applicants (if applicable)
The latest 3 months’ bank statements for you and the co-applicants (if applicable)
A signed copy of the offer to purchase or sale agreement

Why choose a home loan with us?

  • You can get a home loan of up to 100% of the property value. 
  • First-time homebuyers can get a loan of up to 105%* to buy property that is valued between R700,000 and R1,8 million. Use the change to pay for bond and transfer costs.
  • You could qualify for up to R20,000 cash back when you apply online.
  • Get up to 50% off your bond registration fees.
  • Enjoy a preferential interest rate on your home loan if you bank with us or switch your main bank account to Nedbank.*

How would you like to apply?

You may be eligible for extra benefits based on your income and how you choose to apply.

Apply online or on the Money app

You could qualify for up to R20,000 cash back and up to 50% off your bond registration fees.*

Apply through our Contact Centre

Get a call back or call us on 0860 911 007. You could qualify for up to R20,000 cash back and up to 50% off your bond registration fees.*

Apply at a branch

Use our branch locator to find your nearest branch. You could qualify for up to R20,000 cash back and 50% off your bond registration fee*. Our branch will help you with applying online or you can ask for a callback from our Contact Centre to apply for your home loan.