CALCULATOR
Bond / Mortgage Calculator
Calculate repayment and see how extra payments save years and hundreds of thousands in interest.
Bond Details
Enter your details
10% recommended
Current prime minus X
10yr15yr20yr25yr30yr
Above minimum repayment
Enter your details and click Calculate
PROPERTY FINANCE
Home Loan Guide for South Africans
A home loan allows you to borrow from a bank, typically repaying over 20 to 30 years. Interest rates are linked to the Prime rate. Paying just R1,000 extra per month on a R2M bond saves approximately R600,000 in interest.
Bond Calculator FAQ
How much deposit do I need?
10-20% is recommended. Some banks offer 100% bonds for strong applicants.
Should I pay extra into my bond or invest?
If your bond rate exceeds after-tax investment returns, pay extra into the bond.
What costs should I budget beyond the monthly bond?
Transfer costs, bond registration, rates, insurance, and maintenance (1-2% of property value/year).
Your money deserves a dashboard
Connect your bank. See everything. Get AI insights monthly. No strings attached.