Back
Bank
Save & Invest
Borrow
Insure
Plan
Learn
Contact us
Get in touch
Find us
Manage your money
Accounts

Bank how and when you choose to, with the low fees or extra benefits you want.
Credit cards

Shop online or instore and earn rewards for it, with up to 55 days interest-free credit.
Digital banking

Enjoy anytime-anywhere banking from your computer, cellphone or tablet.

Switch to Nedbank

See the quick and paperless way to switch your salary or debit orders.
Fraud awareness

Protect yourself against the latest schemes and scams.
Forex

Buy foreign banknotes, transfer funds or shop globally with a travel card.
Rewards

Manage your money like a pro and get rewarded. Epic deals, discounts and more.
Explore Bank
Grow your money
Accounts

Great interest rates, with great flexibility and access to your money when you need it.
Investment services

Access the best in local and international wealth management solutions.
Share trading

Everything you need to trade online, or with the help of an experienced broker.
Explore Save & Invest
Achieve your goals
Personal loans

Personalised interest rates for affordable loans from R2,000 to R300,000.
Home loans

Loan up to 100% of the property value or up to 105% if you are a first-time home buyer.
Student loans

Unlock your potential with a full- or part-time student loan from Nedbank.
Overdrafts

Add an overdraft to your account for instant access to credit when you need it.
Vehicle finance

Planning on buying a car? Easily apply for MFC vehicle finance in 5 steps.
Solar finance

Secure affordable renewable energy while helping South Africa shift to green energy.
Explore Borrow
Protect what you love
Life cover

Up to R2 million life cover to take care of your family when you no longer can.

Funeral cover

Choose a plan for yourself, family or build your own cover to suit your needs.

Short term insurance

Get cover for your car, building, house contents, valuables and more.

Credit Life

Cover your bond, credit card, overdraft, loan and car repayments.
Travel insurance

International travel insurance with free 24-hr emergency assistance.
Is your business covered?

Secure Investments

Choose a plan for yourself, family or build your own cover to suit your needs.

Explore Insure
Plan your wealth
Financial planning

Take the right steps to achieve your financial goals with expert financial planning.
Estate, wills & trust services

Plan for everything you own and owe, so your estate is in order when you’re gone.

Nedbank Private Wealth

Get the private wealth banking experience with customised solutions and rates.

Speak to a financial adviser

Structure, grow, protect and transfer your wealth with the guidance of an expert.

Explore Plan
Find guidance
Blog

Buying a home, opening a new account or need to save? Let our experts guide you.
Explore Learn
Get in touch
Talk to us

Find the contact details you need, for guidance, complaints or debt assistance. We are here to help, by phone or email.
Find us

Get directions to your nearest branch, ATM or foreign exchange branch.
Explore Contact us
Back
Bank

Accounts

Bank how and when you choose to, with the low fees or extra benefits you want.

Credit cards

Shop online or instore and earn rewards for it, with up to 55 days interest-free credit.

Digital banking

Enjoy anytime-anywhere banking from your computer, cellphone or tablet.

Switch to Nedbank

See the quick and paperless way to switch your salary or debit orders.

Fraud awareness

Protect yourself against the latest schemes and scams.

Forex

Buy foreign banknotes, transfer funds or shop globally with a travel card.

Rewards

Manage your money like a pro and get rewarded. Epic deals, discounts and more.
Back
Save & Invest

Accounts

Great interest rates, with great flexibility and access to your money when you need it.

Investment services

Access the best in local and international wealth management solutions.

Share trading

Everything you need to trade online, or with the help of an experienced broker.
Back
Borrow

Personal loans

Personalised interest rates for affordable loans from R2,000 to R300,000.

Home loans

Loan up to 100% of the property value or up to 105% if you are a first-time home buyer.

Student loans

Unlock your potential with a full- or part-time student loan from Nedbank.

Overdrafts

Add an overdraft to your account for instant access to credit when you need it.

Vehicle finance

Planning on buying a car? Easily apply for MFC vehicle finance in 5 steps.

Solar finance

Secure affordable renewable energy while helping South Africa shift to green energy.
Back
Insure

Life cover

Up to R2 million life cover to take care of your family when you no longer can.

Funeral cover

Choose a plan for yourself, family or build your own cover to suit your needs.

Short term insurance

Get cover for your car, building, house contents, valuables and more.

Credit Life

Cover your bond, credit card, overdraft, loan and car repayments.

Travel insurance

International travel insurance with free 24-hr emergency assistance.

Is your business covered?

Secure Investments

Choose a plan for yourself, family or build your own cover to suit your needs.
Back
Plan

Financial planning

Take the right steps to achieve your financial goals with expert financial planning.

Estate, wills & trust services

Plan for everything you own and owe, so your estate is in order when you’re gone.

Nedbank Private Wealth

Get the private wealth banking experience with customised solutions and rates.

Speak to a financial adviser

Structure, grow, protect and transfer your wealth with the guidance of an expert.
Back
Learn

Blog

Buying a home, opening a new account or need to save? Let our experts guide you.
Back
Contact us

Talk to us

Find the contact details you need, for guidance, complaints or debt assistance. We are here to help, by phone or email.

Find us

Get directions to your nearest branch, ATM or foreign exchange branch.
  • Digital banking
  • Switch to Nedbank
  • Fraud awareness
  • Rewards
  • Investment services
  • Share trading
  • Consolidation loan
  • Secondhand car loan
  • Home improvement loan
  • Exclusive short-term loan offers
  • Building loan
  • Switching home loan
  • Repossessed properties
  • Start your home buying journey
  • Solar-energy Finance
  • Earn R29,600 p/m or less? See offer
  • HomeVision extra funds
  • Home-buying Toolkit
  • Managing your home loan
  • Overdrafts
  • Vehicle finance
  • Solar finance
  • Individual R10,000
  • Individual R30,000
  • Family Cover
  • Build your own cover
  • Vehicle insurance
  • Building insurance
  • House contents insurance
  • Valuables insurance
  • Home loan credit life
  • MFC Vehicle Finance Assurance
  • Overdraft Assurance
  • Balance Protection Plan
  • Personal loan Assurance
  • Travel insurance
  • Is your business covered?
  • Guaranteed Growth Plan
  • Guaranteed Income Plan
  • Investment planning
  • Insurance planning
  • Give
  • Retirement planning
  • Will drafting
  • Ensure your estate is managed by an executor | Nedbank
  • Trust services
  • Financial accounting
  • Tax services
  • Leave the admin of your estate to us, and not to your loved ones | Nedbank
  • Nedbank Private Wealth
  • Speak to a financial adviser
  • Blog
  • Talk to us
  • Find us
Need to resume your application?
Need to resume your application? Apply

Main-banked home loans offer  

Terms and conditions


 Introduction

  • If you meet the qualifying criteria below, we will give you a preferential interest rate on your Nedbank Home Loan.
  • We will include this reduced rate in your home loan quotation, which will form part of your home loan agreement with us.
  • If, at any time during your home loan agreement, you no longer meet the qualifying criteria, we will change the interest rate back to the stand-alone interest rate on your quotation, and that rate will then apply.

 

Qualifying criteria

  • To qualify for the interest rate discount, your primary account must be a Nedbank account, which means you must do your main banking with Nedbank. To become a main-banked client, you must do the following:
    • Maintain your existing or open a new, qualifying Nedbank transactional account (savings, current or money market account). 
    • Arrange that your salary is paid into this account or ensure that a deposit of at least R5 000 is paid into this account every month for the duration of your home loan. 
    • Do at least one transaction a month using the debit card linked to this account.
    • Pay your home loan debit order from this account (after you have verified the debit order with a DebiCheck).
  • If you miss any of you monthly payments, you will no longer qualify for the interest discount.
  • If you have a joint home loan, at least one applicant must meet all the criteria to qualify. 

 

Terms

  • You must comply with the criteria within two months from the registration of your bond.
  • We may review and change the qualifying criteria at any time.
  • You will also be liable for any tax payments due for any benefit in terms of this addendum to your home loan agreement. 
  • If we find that you are no longer a favourable client, for example, if you use your home loan in an unlawful way, breach any of the terms and conditions of your home loan agreement or miss any instalments, we may cancel the interest rate discount immediately and the rate on page 1 of your quotation will then apply.
  • Our main-banked offer applies to home loans for retail clients (individuals) only.