Nedbank home loans

Lends up to

100% as standard, 109% for first-time buyers (for transfer and registration costs), 110% when the extra goes to renewable energy

Loan size

R100,000 to R7.5m

Longest term

30 years (360 months)

Incomes up to R32,000

R5,000 cash back, the initiation fee can go on the loan, and 50% off the bond registration fee

Fees (2026)

Initiation fee R6,037, monthly service fee R69

Also offers

HomeVision (register a bigger bond now to draw on later) and NedRevolve

Who it suits

Nedbank's affordable-housing benefits are worth a look if your household earns R32,000 a month or less: the fee can go on the bond instead of coming out of your pocket, and the registration fee is halved.