Nedbank home loan South Africa: up to 100% financing, APR from prime rate, terms up to 30 years. Fast pre-approval online, no application fee. NCR-registered lender. Review on CreditDeals.
## Applying for a Nedbank residential bond You can lodge the file on **nedbank.co.za**, inside the Nedbank Money app, or with a Nedbank Home Loans consultant at a branch. Pre-qualification before you sign an Offer to Purchase keeps your budget realistic and speeds formal underwriting. ### Six-stage workflow 1. Run the online home loan qualifier on **nedbank.co.za** to receive an indicative amount and rate band. 2. House-hunt within that ceiling and negotiate an Offer to Purchase that stays subject to bond approval. 3. Submit the signed sale agreement with your ID, income proofs and bank statements through the app, website or branch. 4. Nedbank instructs a valuator; the grant amount uses the lower of purchase price or certified market value. 5. On approval, Nedbank releases a bond grant letter and your conveyancer registers the bond at the Deeds Office. 6. The attorney completes transfer registration; Nedbank pays the seller's attorney once both registrations succeed. ### Documents to attach | Item | Purpose | |---|---| | SA ID or Smart ID card | Age and identity gate | | **3 months'** payslips | Salary verification | | **6 months'** bank statements | Affordability modelling | | Signed Offer to Purchase | Property and price anchor | | Proof of address | Compliance file | | Self-employed financials | **2 years'** statements and tax returns when applicable | ### Practical tips from the product profile Pre-qualify so agents know your ceiling before viewings. Settle small bureau defaults ahead of application to lift your margin. Budget transfer duty above **R1,100,000**, plus separate conveyancing fees that the bond itself does not fund. Shorter terms raise monthly instalments but cut total interest. Ask about a fixed-rate tranche if you want predictable repayments for **1–3 years**. ### Support channels Phone **0860 555 111**, email **homeloans@nedbank.co.za**, or visit **135 Rivonia Road, Sandown, Sandton, 2196**. Consultants answer Monday to Friday **08:00–17:00**; digital channels remain available outside those hours.
Complete the online home loan qualifier at nedbank.co.za to get an indicative pre-qualification amount and interest rate.
Use your pre-qualification to make an informed offer. Ensure the Offer to Purchase is subject to bond approval.
Submit the signed Offer to Purchase together with your ID, income documents and bank statements via the Nedbank app, website or branch.
Nedbank appoints a valuator to assess the property's market value — the bond amount is based on the lower of purchase price or valuation.
If approved, Nedbank issues a formal bond grant letter. Your attorney of choice (conveyancer) handles bond registration at the Deeds Office.
The conveyancer registers the transfer and bond at the Deeds Office. Funds are released to the seller's attorney on registration.
Nedbank offered 100% financing for my first home in Johannesburg. The online pre-approval was done in minutes. The NCR registration gave me confidence. My consultant was helpful throughout.
Nedbank home loan South Africa: up to 100% financing, APR from prime rate, terms up to 30 years. Fast pre-approval online, no application fee. NCR-registered lender. Review on CreditDeals.
