Home loan calculators
Run the numbers before you sign anything.
Five free calculators built for South African buyers — using prime at 10.75% (25 September 2026) and the latest SARS transfer duty tables.
What will my monthly repayment be?
Bond repayment
Work out your monthly instalment, total interest and how your balance falls over time.
Open calculatorHow much house can I afford?
Affordability
See the maximum home price your income can support — single or joint application.
Open calculatorWhat will buying cost me upfront?
Transfer & bond costs
Transfer duty, attorney and Deeds Office fees — the cash you need on top of your deposit.
Open calculatorWhat if I pay a bit more each month?
Extra payments
Find out how much interest and time a little extra each month knocks off your bond.
Open calculatorHow much is a better rate worth?
Rate comparison
Put two bank offers side by side and see what a fraction of a percent is really worth.
Open calculator
Calculators estimate. Banks decide.
A free LUCID Clear Credit pre-qualification shows what the banks will actually offer you.
