Nedbank Home Loan

Home loan rates are variable and linked to the SARB prime rate (~11.75% p.a.). Your individual margin above or below prime depends on your credit profile.

Not necessarily — Nedbank may offer up to 100% financing for qualifying buyers. A deposit reduces your bond amount and monthly repayment.

Pre-qualification takes minutes. Full bond approval takes 3–5 business days. Transfer and registration (conveyancing) typically takes 6–8 weeks.

Up to 30 years, subject to the applicant's age at the time of application (the bond must be repaid before the primary income earner reaches age 70).

Yes. Nedbank offers fixed-rate periods of 1, 2 or 3 years for borrowers who prefer payment certainty. The fixed rate is typically above the variable prime-linked rate.

Yes. Nedbank Limited is a registered credit provider (NCRCP16), authorised by the FSCA (FSP 9363) and regulated by the SARB and NCR.

Transfer duty (SARS tax on property above R1,100,000), conveyancing/transfer attorney fees and bond registration attorney fees are additional costs not charged by Nedbank.