Joint home loans: shared risk, shared reward

SA property market demographics: the twin wave phenomenon

How to use your home loan wisely

Property Brief – August 2026

More women are building wealth through property

What is the difference between a home loan pre-qualification and pre-approval?

Escrow accounts in South Africa: what homebuyers need to know

Global uncertainty may delay, but not derail, interest rate relief

Property Brief – July 2026

North West property market offers exceptional value for buyers and investors

Home deposit savings – making tougher lending conditions work in your favour

Home loan deposit requirements: what buyers need to know

Pet-friendly properties: how South Africa’s pet boom is influencing housing demand

Buying a fixer-upper: financial trap or untapped treasure?

Which is the best bank for home loans? The answer might surprise you

Looking for the best bond originator? Here’s what to look for

Property Brief – June 2026

BetterBond reimagines homebuying with a fully digital home loan journey

Women are SA’s most strategic property investors

Common building loan mistakes to avoid in South Africa

How to turn your declined bond into a detour, not a dead end

Property Brief – May 2026

Secondary towns in South Africa emerge as new property hotspots

Home loan pre-approval: your first step to buying a home

Understanding property costs beyond the purchase price

Property Brief – April 2026

Semigration trends shift from lifestyle choices to strategic property decisions

BetterBond partners with GrootFM

Positive news: BetterBond partners with Good Things Guy

Property Brief – March 2026

Ten things bond originators wished you knew before applying for a home loan

How alternative credit data is helping more South Africans buy homes

Property Brief – February 2026

International buyers fuel South Africa’s property momentum

Bond origination for first-time homebuyers: what you need to know

South Africa repo rate unchanged, but housing market momentum continues

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Top trends redefining homeownership in 2026

Property Brief – January 2026

Property Brief – December 2025

SA’s property market in brief – reflecting on a year of resurgence

A simple guide for the first-time homebuyer

Estate living: South Africa’s fastest-growing property trend explained

How to choose the best bond originator for your home loan

Property Brief – November 2025

Sectional title sales surge

Joint and several home loans: how to buy property together without complications

Property Brief – October 2025

Navigating the home loans process as a single buyer

Limpopo home loans: why SA’s Great North is red-hot

BetterBond celebrates 25 years of making home dreams possible

Second home finance in South Africa: everything you need to know

Home loan activity in South Africa gains momentum

What the unchanged SA prime interest rate means for homebuyers

Property Brief – September 2025

Rent to buy versus rent to own: what’s the difference?

From woofs to walls: finding a pet-friendly property

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Paradise beyond Plett – the allure of the KZN North Coast property market

Refinancing your home loan? Keep an eye on the prime interest rate

Pretoria property trends: SA’s new property hotspot

Property Brief – August 2025

When less is more – why more South Africans are opting to downsize their homes

Your guide to the homebuying process in South Africa

The prime lending rate sees a 25-basis point cut

Understanding prime rate versus home loan interest rate

Buying a home is a good idea at any life stage

Property investment 101 

Top mistakes to avoid when applying for a home loan

Property Brief – July 2025

Goodbye lease, hello legacy: the benefits of homeownership

Understanding the home loan application process

Turn your property into an income-generating home

Unexpected ways to boost your home loan approval chances

Don’t let deeds office delays derail your homebuying journey

Know what you can afford with our bond repayment calculator

Property Brief – June 2025

Understanding the prime rate: what it means for you

Six ways young professionals can get ahead in property investment

What homeowners need to know about asbestos risks

Youth and women buyers to benefit from higher transfer duty threshold

How to get a home loan without a payslip

Luxury house prices soar as demand surpasses supply

Property Brief – May 2025

Top tips for a stress-free cross-country move

Property Brief – April 2025

Important questions to ask before you buy that dream home

Why you should love your BetterBond bond originator

Dos and don’ts that will help your bond application get the green light

Property Brief – March 2025

Marriage and a bond – ask these important questions before making an offer

Five ways your bond can provide financial peace of mind

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Tips on navigating a buyer’s market as a seller

Property Brief – February 2025

Enhancing your home’s curb side appeal can immediately improve its value

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BetterBond is a bond originator based in Pretoria, South Africa. We have been providing South Africans with home loans and bond advice since 2000. 

Affordability

The more information you can provide, the more accurate your estimate will be.

This affordability calculator uses the current interest rate, but the rate that will be applied to your home loan could vary, depending on factors like your credit score and whether you've saved a deposit.

Interest rate

This affordability calculator uses the most common home loan term, which is 20 years (240 months), but you can enter another timeframe and the results will change accordingly.

Repayment term

Enter your (and your co-applicant's) monthly income before taxes to determine affordability.

Monthly gross income

Enter your (and your co-applicant's) monthly income after taxes to determine affordability.

Monthly nett income

The monthly amount you pay on debt and household expences. Do not include rent or loan amounts if these will be replaced by the new bond payment.

Monthly expenses

This is the monthly repayment calculated on the loan amount you qualify for.

Total monthly repayment

This is the amount you qualify for based on the income and expences information you captured.

Total loan amount

Repayment

The price of the property you're buying and will therefore have to repay.

Purchase price

The amount you need to borrow, and repay with interest, to finance your property purchase.

Bond/Loan amount

This repayment calculator uses the current interest rate, but your actual rate will vary based on factors like your credit score and the size of your deposit, if you have one.

The most common home loan term is 20 years (240 months), so that's what this repayment calculator uses, but you can change the loan term to see how the results will differ.

The monthly repayment on the loan amount you qualify for.

The total amount you will be repaying over the entire term of your bond.

Total amount repayable

The total amount to cover the registration of the bond and the transfer of the property into your name.

Total bond and transfer cost

Amortisation

The more information you can provide, the more accurate your estimate will be.



This rate will determine which percentage of your repayments go towards paying off interest, as opposed to reducing the capital you owe on your home loan.

The total amount of interest paid over the term of your home loan.

Total interest paid

Bond

The purchase price of your new home will determine the size of your bond and the transfer costs payable.

Purchase Price

The purchase price will determine the loan amount and therefore the bond costs, as well as the transfer costs, which are payable to the transferring attorneys.

This bond and transfer cost calculator uses the current interest rate, but the rate could change, based on factors like your credit profile and whether you'll be paying a deposit upfront.

This bond and transfer cost calculator use a term of 20 years (240 months), which is the most common home loan term, but you can change the timelines to see varied results.

Repayment Term

The cumulative cost of registering your new bond and transfering the property into your name.

Fees for the services of registering (bond) attorneys to get your bond registered over the Title Deed of the property.

Bond registration cost

Fees published in the Government Gazette and based on the bond amount.

Bond deeds office fees

Costs incurred during bond registration and transfer, including telephone, postage, courier, administration and bank charges.

Post, petties, FICA, other fees

Fee charged by the banks to open your home loan account, which is essentially a bank account.

Bank initiation fee

The government's acquisition tax that you pay to transfer a property into your name. There is no transfer duty on property valued up to R1 million.

Transfer duty

Not the same as transfer duty, transfer costs cover the transfering of the property into your name, and are payable to the transferring attorneys.

Property transfer costs

The fees for registering a property transfer to your name at the Deeds Office.

Transfer deeds office fees

Additional

By making additional payments into your home loan, you will pay off the purchase price of your property sooner, and therefore save on interest.

Additional payments into your home loan will not affect the interest rate at which you repay, but it will mean you save on interest over the remaining term of your bond.

Any additional payments you make into your home loan would shorten the remaining term of your bond and could mean considerable savings on interest.

The additional monthly amount you will be paying onto your home loan.

Additional payment amount

The new monthly repayment amount if you were to put additional funds into your home loan on a regular basis.

New monthly repayments

The monthly amount you have been paying on your home loan, before making additional payments.

Old monthly repayments

The interest you'll be saving by making additional payments into your home loan.

Total savings on interest

The total amount to be repaid, including capital and interest.

The total amount of interest you will pay over the term of your home loan.

Total interest

The new, shorter, term of your home loan, based on the additional payments you'll be making.

New loan duration

Deposit

The size of your deposit will determine your bond/loan amount.

The banks typically work on a deposit that is 10% of the purchase price of the property.

Deposit percentage required

Any current savings you might have, which could go towards a deposit, as part of the transaction to buy your new home.

Existing savings

The date by which you will need to pay the deposit and therefore the amount of time you have to save.

Deposit required date

The interest rate offered by the bank or other financial institution where your deposit savings are held.

Savings interest rate

The total amount you need to save for a deposit on your new home.