Bond & Home Loan Calculators
South Africa's home loan market is dominated by prime-linked bonds — currently at 10.25% per annum (prime rate, effective May 2026). Use these calculators to plan your bond, understand your repayments, and find ways to pay off your home loan faster.
Bond Repayment Calculator
Calculate your monthly repayment at any interest rate and loan term
Bond Affordability Calculator
Find out how much bond you qualify for based on your income
Deposit Savings Calculator
Plan how long it will take to save your deposit
Extra Payments Calculator
See how extra monthly payments cut your bond term and save interest
Amortisation Calculator
Full month-by-month amortisation schedule for your bond
Interest Rate Change Calculator
Calculate how an MPC rate cut or hike affects your monthly repayment
Fixed vs Variable Rate Calculator
Compare a fixed rate bond to a variable prime-linked bond
Bond Comparison Calculator
Compare two home loan offers side by side on total cost
Bi-Weekly Payment Calculator
See how paying every two weeks instead of monthly saves thousands
Term Comparison Calculator
Compare 20-year vs 25-year vs 30-year bond terms on cost
Bond vs Invest Calculator
Should you pay extra off your bond or invest the spare cash? Compare net wealth outcomes over 20 years — TFSA, JSE, RA, and access bond.
About South African Home Loans
South African home loans (bonds) are typically granted for 20–30 year terms at a floating interest rate linked to the prime lending rate. The prime rate is set at repo + 3.5% and changes whenever the SARB Monetary Policy Committee adjusts the repo rate. Most bonds are granted at prime, with well-qualified borrowers receiving a concession below prime.
First-time buyers represent approximately 47% of new home loan applications. The average first-time buyer in South Africa is between 28 and 35 years old, with an average purchase price of around R1,200,000.