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Home Loans

We provide you with the best way to finance one of the biggest assets you'll ever own and the freedom to change course to get the best out of your investment. With us, your dreams will find a home.
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The perfect home

Your home could well be the single biggest asset you will ever own. And you will choose a home to suit the way you live. You look for a location and a style that makes you feel comfortable. Your home is a sanctuary, where you can be yourself and feel secure.

As time passes, things change – your aspirations change and your life takes unexpected turns. What you need is a flexible home loan that can adapt to these changes and we are here to give you a home loan that takes account of your individuality.

The basics

Your Nedbank home loan offers the finance you need to buy or build a home of your own, whether freehold or sectional title.

Our loan terms are negotiable for up to 20 years, and the interest rate you pay is market-related and always competitive. As a general rule, your monthly repayment may not exceed 35% of your gross monthly cash income, with joint income considered where appropriate.

A Nedbank home loan is negotiated around your financial circumstances and what you require now, while anticipating your future needs.

A home loan like no other

A Nedbank home loan assures you of future security and puts your interests first.
If you are about to buy, build, or renovate a home, call us today for a home loan designed around your needs.

 

It's the right home for smart money

It is important to note that the loan-to-value rate should not exceed 80%.

What you need to apply for buying a home

See if you qualify simply provide us with the following: 

  • The deed of sale or offer to purchase or sales agreement or your latest home loan statement (for a takeover of bond from another bank).
  • A copy of your valid Passport or identity document.
  • The latest proof of your income.
  • Your marriage contract (if you are married out of community of property).
  • Your latest three months' bank statements of all bank accounts not held with Nedbank.

What you need to apply for a building loan

  • Proof of stand purchase (Lease).
  • Approved building plans and building permit.
  • A copy of your valid Passport or identity document.
  • The latest proof of your income.
  • Deposit of at least 10% of total loan amount (For bonds in excess of M 1 million, higher deposit may be required).
  • Three quotations from different contractors.
  • Life assurance policy equivalent to the required loan.
  • House owners insurance (on completion of property).

So, if you are in the market for a new home, contact a Personal Banker or Relationship manager or visit your nearest branch today.

For a building loan applicant must use a bank approved valuer and assessor.
Additional Information
Nedbank Lesotho

Nedbank Lesotho Limited Reg No 92/191.

Authorised financial institution and credit provider.