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Need help with your home buying journey?

Buying a home is a pretty big step, but we're here to walk the path with you. Here's what you need to consider whether you are thinking of buying, looking for the right property, or, ready to seal the deal.

  

 

What would you like to do?

building loan

Get a building loan

tracking loan

Complete or track your home loan application

manage loan

Manage your home loan account

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Switch your home loan to Nedbank

Use our calculators to see how much you can afford or get an estimate on bond and transfer costs

Calculate how much you can afford to spend on a home loan.
Tell us more about your finances
Total monthly gross income tooltip text
R
Your salary before taxes and deductions.
Please enter a minimum of R2,500.00
Total monthly expenses tooltip text
R
The total amount you spend on living expenses every month.
What’s your preferred bond repayment term?

  • 60
  • 120
  • 180
  • 240
  • 300
Estimated loan amount tooltip text

R0

Estimated monthly repayments tooltip text

R0

Once-off costs tooltip text

R0

Current interest rate tooltip text

3%

18%

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 The total amount you spend on your household upkeep, such as buying groceries, clothing, toiletries, pet food and paying for domestic and gardening services.
R
Utilities The monthly amount you spend to cover things like electricity, water, levies and rates and taxes.
R
Credit and loan repayments The total monthly repayments on your loans, credit cards, vehicle finance and store accounts.
R
Health and insurance The amount you spend on things like life insurance, car and home insurance, funeral policies, gym and medical aid.
R
Entertainment The total amount you spend on things like Netflix, DSTV, takeouts, movies, Showmax and Amazon Prime.
R
Phone and data This is the total amount you spend on phone contracts, data and airtime.
R
Education The amount you spend towards your studies and for paying school fees for you or your kids.
R
Travel This is the total amount you spend on transport, petrol and car repairs/servicing.
R
Additional expense   Remove
Expense type
The amount you spend monthly tooltip text
R
Add additional expense
Total monthly expenditure tooltip text

R0

cond condValue debtBuffer expenseBuffer debtStress expenseStress surplusBuffer
LESS_THAN_EQUAL_TO 10000 0.1026017010000 1.36306636 1.02 1.07 0.6
LESS_THAN_EQUAL_TO 15000 0.1013535500000 1.319440431 1.02 1.07 0.6
LESS_THAN_EQUAL_TO 20000 0.1001053980000 1.321738176 1.02 1.07 0.6
LESS_THAN_EQUAL_TO 25000 0.109908105000 1.306609407 1.02 1.07 0.6
LESS_THAN_EQUAL_TO 30000 0.1157256980000 1.282877395 1.02 1.07 0.6
LESS_THAN_EQUAL_TO 40000 0.1318541410000 1.276345131 1.02 1.07 0.6
LESS_THAN_EQUAL_TO 45000 0.1394430720000 1.263615732 1.02 1.07 0.6
LESS_THAN_EQUAL_TO 50000 0.1413963310000 1.261481222 1.02 1.07 0.6
GREATER_THAN 50000 0.1603055010000 1.234109795000 1.02 1.07 0.6
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

 

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. Our transfer and bond cost calculations are also estimates. 

Calculate how much your monthly instalment will be.
Tell us more about the property you are looking at
Purchase price tooltip text
R
Enter the purchase price.
Deposit (optional) tooltip text
R
Enter the deposit amount you would like to pay.
How long would you need to repay your home loan?

  • 60
  • 120
  • 180
  • 240
  • 300
Monthly instalment tooltip text

R0.00

Deposit tooltip text

R0.00

Once-off costs tooltip text

R0.00

Current interest rate tooltip text

0.25%

27.5%

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. 

 

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. Our transfer and bond cost calculations are also estimates. 

Calculate your bond registration and transfer costs.
Tell us more about the property you are buying
Purchase price tooltip text
R
Enter the purchase price.
Deposit (optional) tooltip text
R
Enter the deposit amount you would like to pay.
Total once-off costs tooltip text

R0.00

Deposit tooltip text

R0.00

 

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. 

Why choose a home loan with us?

Get a loan of up to 100% of the property value.

Get an interest rate discount of up to 0.25% on your home loan if you bank with us.*

Get up to R15,000* cash back if you apply online or through the call centre.

Get up to R5,000* cash back if you earn less than R26,100 a month.

*See details on our R15,000 cash back for an online home loan application, or find out more about our R5,000 cash back if you earn less than R26,100 a month.

Terms and conditions apply.

Ready to apply for your home loan?

Start your application

Need help paying for your home?

saving piggy bank

First-time homebuyers

If you qualify, you can lower your home loan repayments through the Finance Linked individual Subsidy Programme (FLISP).

Find out more
energy efficient

Designed to save you money

Buying an EDGE-accredited home guarantees you savings of up to 20% on your monthly water and electricity bill.

Find out more

Solar energy finance

As a Nedbank Home Loan client, you’ll have access to financed energy solutions that can help reduce your monthly electricity bill.

Find out more

Our Home-buying Toolkit makes it even easier

Use our new Home-buying Toolkit on the Money app to get pre-approval, apply for a loan, search for properties and see property reports, from anywhere, anytime.

Pocket

Want to know more about fees and payments?

financial details

Home loan fees

We keep our fees transparent and as low as possible, so you know exactly what you’re paying for, including once-off, monthly and transactional fees.

Download pricing guide (PDF)
income

DebiCheck

Now you have control to approve debit orders before we process them. This will help you know which payments are coming out of your account, so you are in control of your money.

Learn more