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. Our transfer and bond cost calculations are also estimates.
Welcome to our new digital experience. For more services please go to
Welcome to our new digital experience. For more services please go to nedbank.co.za
What would you like to do?
Buy
Finance your dream home
Build
From the ground up, or renovate
Switch
Move your home loan to Nedbank
Manage
your existing home loan
Further lending
Access money from your existing home loan
Our top offers
Renewable-energy finance
To finance a renewable energy solution for your home, you may:
- Apply for additional funding with your new home loan.
- Use the extra funds that you have saved in your NedRevolve facility.
- Apply for a readvance or further loan on your existing bond.
- Switch your loan to Nedbank to access our renewable energy solutions.
First-time offers
We'll finance up 109% if you are a first-time homebuyer, to cover these upfront costs:
- Attorney registration fees
- Transfer costs
- Our initiation fee (if you have chosen to add it to your loan amount)
Buying another home
Get all the usual perks PLUS an additional discount on your interest rate:
- 50% off your attorney fees
- 0.25% off your interest rate for Nedbank clients
- PLUS! An additional 0.50% off your interest rate if you take up another home loan with us.
Work out what you can afford up front to get the process started
- Affordability
- Bond repayment
- Bond and transfer costs
Your final approved home loan will be based on your monthly income and expenses
Total monthly gross income
R
R
- 60
- 120
- 180
- 240
- 300
R0
R0
R0
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
R
Utilities
R
Credit and loan repayments
R
Health and insurance
R
Entertainment
R
Phone and data
R
Education
R
Travel
R
Additional expense
Remove 
Expense type
The amount you spend monthly
R
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
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 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.
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. Our transfer and bond cost calculations are also estimates.
Calculate your bond registration fees 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.
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 call centre.
Future proof the possibilities
HomeVision allows you to register a higher bond upfront, giving you access to extra funds, which you may need in future.
Our Home-buying Toolkit
For your convenience, you can use our Home-buying Toolkit on the Money app or online to get pre-approval, apply for a loan, search for properties and get free property reports.
What 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
The Deeds Office will complete the conveyancing process once they are satisfied. Once your bond has been registered at the Deeds Office, you will become the official and legal owner of your home.
Fees and bond settlement
A clear fee structure
We keep our fees as low and transparent as possible so that you always know what you are paying for. More details on our pricing guide.
Download pricing guide
Settlement and cancellation
Settling your home loan is a huge financial achievement. To guide you through it, here's everything you need to know about the legal process.
Find out more
