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Why choose a Nedbank home loan?
Get the finance you need to buy a home of your preference, whether freehold, sectional title, a holiday home or cottage.
As a trusted client, you’ll be able to use your loan account to finance new purchases, such as property or vehicles (provided your fixed property can be used as security).
As a trusted client, you’ll be able to use your loan account to finance new purchases, such as property or vehicles (provided your fixed property can be used as security).
Additionally, you'll be able to enjoy competitive interest rates on your new purchases.
What we finance
- Established free standing residential properties.
- Semi-detached dwellings that have their own titles.
- Duplex flats with that have their own titles.
- An existing residential property.
- An agricultural holding for residential purposes.
- A vacant residential plot for later development.
Things to note
- Your application is subject to approval, following assessment by our finance specialists.
- For your loan request to be successful, you'll also need to pass our affodability checks, and the loan-to-value rate should not exceed 90%.
- Should you have the need, you can request a pre-approval limit, which will help you make a decision on the purchasing price of the property you are considering.
Once your home loan is activated, you'll have the opportunity to save on tax and interest charges by simply depositing extra money into your account.
Affordability guaranteed
- We offer competitive, market‑related interest rates, and the flexibility to select a repayment term of up to 20 years. .
- Monthly repayments are capped at 35% of your gross monthly income, with joint income considered.
- When negotiating your home loan, you can mix and match options to suit your circumstances.
- Our refinancing option lets you restructure your home loan as a long‑term investment.
- The ability to request additional loans on your account will afford you plenty room to upgrade or maintain your property with ease.
Re-advance your bond
As your property value grows, you can access extra funds through Nedbank’s re‑advance facility. We reassess your bonded property and allow you to re‑draw repaid capital, paid directly into your transactional account when you need it.
Ready to apply?
Get in touchAlternatively, you can visit your nearest branch and speak to our Asset-Based Finance specialists for more information.
Documents you'll need to apply
Property documents
- Deed of sale, offer to purchase, or sales agreement
- Latest home loan statement (for a bond takeover from another bank)
Personal documents
- Valid passport or identity document
- Marriage contract (if married out of community of property)
Financial documents
- Latest proof of income
- Latest three months’ bank statements for all accounts not held with Nedbank
Begin your home loan application today
Apply now
Simply leave us a message and we'll get in touch to complete your application.
Visit a branch
For in-person assistance, visit your nearest Nedbank branch and our friendly staff will guide you through the process.
Need help?
Should you have a question about this product or your application, please feel free to leave a message and we’ll get back to you.
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