Know Before You Buy.
Stay informed with current market data and free tools to help you plan your home purchase.
Current Market Snapshot
Updated monthly with the latest SA Reserve Bank data and average approved rates across our bank panel.
Prime Rate
10.25% (As of January 2026)
Avg Approved Rate
80%
Repo Rate
6.75%
Free Tools
Bond Calculator
Estimate how much you could borrow based on your income and deposit.
Bond Repayment Calculator
Calculate your monthly bond repayments based on loan amount, interest rate, and term.
Extra Bond Payments Calculator
See how extra monthly payments can reduce your bond term and save on interest.
Home Loan Deposit Savings Calculator
Plan how much you need to save for a deposit and how long it will take.
Bond Amortisation Calculator
View the full breakdown of your bond payments over the loan term.
Bond Calculators
Use the guide below to estimate costs, then apply for a personalised quote.
1. Bond Repayment Guide
Estimated monthly repayments at 11.75% interest (20-year term) No Deposit
R1,000,000
Purchase Price
R10,837
/month
R2,000,000
Purchase Price
R21,637
/month
R3,000,000
Purchase Price
R32,511
/month
2. Transfer Cost Guide
Current SA Transfer Duty brackets
Property Value
Up to R1,100,000
R1.1M - R1.512M
R1.512M - R2.117M
R2.117M - R2.722M
R2.722M - R12.1M
Over R12.1M
Transfer Duty
0% (No duty)
3% of excess
6% of excess
8% of excess
11% of excess
13% of excess
Plus conveyancing (R8,500-R50,000) + bond registration (R7,500-R42,000) + deeds (~R4,500).
3. Pre-Qualification Checker
Fill in your details below and we'll assess your affordability within 24 hours. No credit impact.
We'll respond within 24 hours with your estimated pre-qualification amount.
Check What You Can Afford
Start your pre-qualification in just 5 minutes.