Home Loans South Africa
Compare bond and mortgage options from 6 major South African banks. Check your affordability and apply through a single free platform.
6+
Major Banks
Up to 105%
Bond Value
Prime ± %
Interest Rates
20–30 years
Bond Terms
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Types of Home Loans Available
Different circumstances require different bond structures
First-Time Buyer Bond
Special rates and government-backed options for first-time home buyers. FLISP subsidy eligibility included.
Joint Bond
Two or more applicants combine income for higher qualifying amounts. Popular for couples and co-purchasers.
Business / Trust Bond
Property purchase via a legal entity — Pty Ltd, CC or Trust. Assessed on business financials.
Investment Property Bond
Buy-to-let and property investment finance. Rental income considered in affordability assessment.
Building Loan
Finance to build your own home. Funds released in stages as construction milestones are met.
Bond Switch
Move your existing bond to a bank offering a better rate. Could save thousands over the term.
Home Loan Rates by Bank
| Bank / Provider | Rate Range | Max LTV | Key Feature |
|---|---|---|---|
| Absa Home Loans | Prime – 1% to Prime + 2% | Up to 105% | Cashback on bond registration |
| FNB Home Loans | Prime – 0.5% to Prime + 1.5% | Up to 100% | eBucks rewards |
| Nedbank Home Loans | Prime – 0.5% to Prime + 2% | Up to 100% | Green Home Building Loan |
| Standard Bank Home Loans | Prime – 1% to Prime + 2% | Up to 100% | Staff rate advantage |
| SA Home Loans | Prime – 0.5% to Prime + 1% | Up to 90% | Specialist non-bank lender |
| ooba Home Loans | Best rate matched | Up to 100% | Multi-bank originator |
* Rates are indicative as at April 2026. LTV = Loan-to-Value ratio. Final rates depend on credit assessment.
Calculate Your Bond Repayments
Use our free bond and affordability calculators before speaking to a bank.
Home Loan FAQs
What is the current prime lending rate in South Africa?+
The prime lending rate is currently 10.75% per annum (October 2026). Home loan rates are typically quoted as prime minus or plus a percentage, depending on your credit profile.
How much deposit do I need for a home loan?+
Many banks offer 100% bonds (no deposit required) for qualifying buyers. A deposit of 10–20% will improve your approval odds and typically secures a better interest rate.
What is the FLISP subsidy?+
The Finance Linked Individual Subsidy Programme (FLISP) provides once-off government grants of R27,960–R121,626 for first-time buyers earning R3,501–R22,000 per month. Finance EzyFind can help you check eligibility.
How is bond affordability calculated?+
Banks typically allow up to 30% of gross monthly income toward bond repayments. All existing debt obligations are deducted first. Use our bond affordability calculator to estimate your maximum loan amount.
What are bond registration costs?+
Bond registration costs include the bank's initiation fee (up to R6,037.50), monthly service fee, bond attorney fees (approx. R15,000–R30,000 for a R1M bond), and transfer costs. These are separate from the bond amount.
Home Loans by Province
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Rates are indicative and subject to change without notice. Finance EzyFind is a free comparison and matching service — not a lender or credit provider. All lending is subject to the National Credit Act (NCA). Please borrow responsibly.
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A simpler way to prepare your application
Finance EzyFind acts as an aggregator. Complete one application and we submit it to suitable banks and finance providers on your behalf, much like a bond originator does for home loans. You do not need to start a separate application with each provider. For supported home-loan applications, AI can read documents such as bank statements and payslips, fill in details it can identify, and summarize income, expenses, and affordability for you to check. You stay in control and should correct anything that is missing or wrong.
For home-loan requests, the affordability summary can help you discuss practical ways to strengthen your application over the next month, three months, or six months. These are planning timeframes, not a promise of approval; document analysis and provider requirements vary by product.