Your interest rate depends on several factors, including your credit score, loan amount, repayment term and the type of loan. Lenders also consider economic conditions and risk assessments when determining rates.

Deposit requirements vary, but a common guideline is 10% to 20% of the property’s price. A larger deposit can reduce your loan amount, which may lower monthly repayments and interest paid over time. Our Deposit Savings Calculator helps you set a monthly savings goal to reach your deposit target.

Your maximum loan amount depends on factors like income, expenses, and credit profile. Our Affordability Calculator can give you an estimate based on your financial situation, helping you determine a realistic borrowing amount. This is a quick way to understand your buying power.

In addition to the purchase price, there are transfer duties and legal fees. Use our Bond and Transfer Cost Calculator to estimate these costs. For details on transfer duties, visit the SARS website.

You can calculate your monthly repayments by using our Bond Repayment Calculator. Enter your loan amount, interest rate, and loan term to get an instant estimate. This helps you plan your budget by showing you what to expect for monthly payments, making it easier to manage your finances.

Extra payments can significantly reduce your loan term and the total interest paid. By paying more than the minimum each month, you can lower your outstanding balance faster, saving money over time. Use our Extra Payment Calculator to see how additional contributions impact your loan’s length and cost.