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The perfect home
Your home could well be the single biggest asset you will ever own. You need a flexible home loan that can adapt to your life changes and takes account of your individuality.
How it works
A Nedbank home loan is negotiated around your financial circumstances and what you require now, while anticipating your future needs.
Your Nedbank home loan offers the finance you need to buy a home of your own, whether freehold or sectional title. It can also help you buy a holiday home or cottage.
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.
When negotiating your home loan, remember, you can mix and match various options to suit your personal circumstances. And with our refinancing home loan option, you can negotiate your Nedbank home loan as an investment vehicle in itself.
You can use this account to finance new purchases, such as property or vehicles (provided fixed property can be used as security) and in return you will continue to enjoy competitive interest rates on these new purchases.
When you deposit extra money in your home loan account, considerable interest as well as tax savings is generated. You can also get a pre-approval limit on your home loan.
What you can finance
Established free-standing residential properties
Semi-detached dwellings with own title
Duplex flats with own title.
Existing residential properties
Agricultural holdings for residential purposes
Vacant residential plots for later development
Getting a re-advance
In light of the rapid rise in real estate values in recent years, Nedbank offers you a credit friendly re-advance product that is calculated using the latest market evaluation of your property and puts your money back into your pocket when you need it.
We facilitate an evaluation of the property bonded with us and extend a loan facility against the new value.
You are entitled to re-draw the repaid capital on the loan through the bank’s re-advance facility, which will be paid directly into your transactional account.
If you are in the market for a new home, contact a Personal Banker or Relationship manager or visit your nearest branch today.
You can also leave us a message and we'll call you back
Leave a messageFor a home loan
Contact your nearest branch and speak to our ABF specialists for more information, or call +266 240 81000.
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
For a building loan
You must use a bank-approved valuer and assessor.
Documents you'll need
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Proof of stand purchase (Lease).
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Approved building plans and building permit.
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A copy of your valid Passport or identity document.
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The latest proof of your income.
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Deposit of at least 10% of total loan amount (For bonds in excess of M1 million, higher deposit may be required).
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Three quotations from different contractors.
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Life assurance policy equivalent to the required loan.
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House owners insurance (on completion of property).
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.
Give us a call
If you prefer to speak to us over the phone, you can contact our call centre directly for any enquiry or to begin your application.
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Switch to Nedbank, hassle-free. To open an account online, simply click below and follow the steps provided to complete an application for a Nedbank account.