- Lends up to
- 100%
- Rate
- Variable, linked to JIBAR and reset every quarter
- Minimum income
- R29,600 a month gross, alone or together
- Attorney fees
- Up to 50% off bond registration
- Also
- Solar finance and Old Mutual Rewards points
JIBAR, not prime
Most South African home loans move with the prime rate. Old Mutual's is linked to JIBAR, a money-market rate, and resets every quarter. It still moves with the Reserve Bank's decisions, just on a different timetable, so compare the actual rate you're offered rather than the label.
Old Mutual's page also gives the rule of thumb that the bond repayment shouldn't be more than 30% of your gross monthly income.
Where this comes from
- Old Mutual: home loans (read 11 Oct 2026)
Checked October 2026.