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Nedbank Instant Bond Indicator

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Home loan application

Let's get you one more step closer to your dream home

Get your credit and affordability check. It's quick, easy and paperless!

This application will take you about 3 minutes.             

You can save it at any point and continue later.                 

All fields are mandatory unless indicated as optional.

This application will take you about 30 minutes.             

You can save it at any point and continue later.                 

All fields are mandatory unless indicated as optional.

If you're a South African citizen aged 18 years or older, simply fill out the form and we'll let you know immediately what loan amount you could qualify for, the deposit you'll need and the estimated monthly repayment amount. If we approve your loan application, you can apply for the home loan right away.

If you don’t have a South African ID or if you want to register a home loan in the name of a business or juristic entity (eg. a trust), we can process your application offline. Simply call us on 0800 555 111 or request a callback, and we'll be in touch shortly.

We now also offer bond-plus-cost loans to first-time home buyers to help them cover the costs that come with buying a home. We will approve or reject your application based on what you can afford. Terms and conditions apply.

Apply for finance for your next home or investment property with us online, via the Money app or at your nearest branch and get extra discount on your interest rate – just one of the perks of being one of our home loans clients.

For a renewable energy solution, apply for a home loan of up to 110% and use the extra funds to cover the cost of the installation. We will pay the money to an accredited service provider of your choice as soon as your bond is registered and all the payment terms, including a valid invoice, have been finalised.

We'll need your ID number to get started

Duplicate ID
Duplicate ID

If you are married in community of property (COP), your spouse will need to be a co-applicant and we'll need their details too.


Remove co-applicant
Duplicate ID
Remove co-applicant
Duplicate ID
Remove co-applicant
Duplicate ID
Remove co-applicant
Add a spouse/(co-applicant - up to 4)
If you are married in community of property, please add your spouse's details
Next

You

  • About
  • Income and expenses

Property and loan

  • Property
  • Loan

Tell us about yourself


  • Married in community of property (COP) means that you and your spouse will be jointly responsible for the bond. We’ll need their details and consent for this application.
    Please revert to landing page to add spouse details.

Eg. 0821122222

Your income and expenses


On your payslip this is usually called 'basic salary'. Enter your monthly basic salary before deductions (tax, pension contribution, medical aid, etc). If you are on pension, please enter your pension income before deductions.

R

This refers to your salary after deductions but excluding commission, overtime, bonus, etc. If you are on pension, please input your pension income after deductions.

R

Any extra amount(s) that you earn over and above your monthly income, like car, petrol or cellphone allowances, commission, 13th cheque, overtime, etc — excluding bonuses.

R

This would include things like your car instalments, retail store accounts and any other monthly payments. This would exclude your current bond instalment if it won't be applicable anymore.

R Please ensure to capture your correct debt

The amount you usually spend on things like food, entertainment and any other monthly expenses. This would exclude your current rental expense if it won't be applicable anymore.

R Please ensure to capture your correct expenses

Tell us about the property

If the property is in, for example, Bryanston Extension 5, just enter ‘5’.


What are your home loan needs?

R
R
R
R

The down-payment you're willing to pay or the amount we require you to pay before we can offer you the loan, if we're not funding 100% of the required home loan amount.

R
-1 years
Min 1 year Max 30 years
Back

Using the Instant Bond Indicator, you've completed:

Your credit check

Your affordability check


Sorry, we are currently experiencing technical difficulties and we are therefore unable to provide an indication of the loan amount we can offer at this point in time.

For a comprehensive assessment, please complete the full application form.

For further enquiries please call us on 0800 555 111 or click here and we will call you back.


Back to Instant Bond Indicator



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Now that you’ve done your credit and affordability check, about 25% of your application is complete.

Continue to the home loan application form?


Save and continue later
Continue to application form

Additional costs



Please note


This is a guideline of the possible costs involved with this loan application. The costs below exclude any insurance permiums.


Total Property Transfer Costs
(once off):

R 0

Total Bond Registration Costs (Paid to attorneys – once off):

R 0

Initiation fee (once off):

R 0

Administration fee (monthly):

R 0

Documents you'll need to complete your application today

Documents per applicant
  • Copy of your ID or Smart card ID (if smart card ID, provide a legible copy of both sides of the card)
  • Proof of income (not required for business drawing applicants)
  • We’ll require your latest 3 month’s bank statements. We can source these on your behalf if you bank with Nedbank, Absa, Standard, African or Discovery Bank (self-service terminal statements with an electronic stamp are acceptable; internet statements are NOT acceptable)
  • Proof of additional income e.g. maintenance, rental or commission (if applicable)
For business drawing applicants the following additional documents are required
  • Annual Comparative Financial Statements (not older than 6 months) / Management accounts – (if applicable)
And
    You can:
    • upload some documents online during the application process and
    • email the rest of the documents after you complete the application process.

    Back Next
    Next Step

    Where are you in your home buying journey?

    Thank you for completing the Instant Bond Indicator.

    Terms and conditions

    Please be advised of the following:

    • the amount displayed is only an indication and is still subject to a complete personal affordability and credit assessment;

    • the indication is in no way a pre-approval, pre-quotation or the like;

    • in order for a complete credit assessment to be done, the full application must be completed and submitted together with all required supporting documents once a specific home is identified;

    • the outcome of such full application is not guaranteed and is based on your income, expenses, credit rating and any other criteria applied by Nedbank Home Loans at the time of the full application;

    • all credit bureaux’s factor in the frequency of enquiries as part of their scoring; therefore if multiple enquiries are completed, this may have an adverse impact on your consumer credit scoring.

    Terms and conditions

    Please note that the above mentioned results are only an indication. Nedbank is unable at this stage to provide you with a formal quotation relating to the approval of your loan as the applicable documentation have not been provided and a full assessment has not been done. This is in accordance with the requirements of the National Credit Act, 2005 (“The Act”).

    The indication is subject to the following conditions, namely:

    • receipt of a satisfactory valuation on the property that is to be mortgaged as security

    • acceptance by you of the formal quotation in respect of the home loan

    • compliance by you with your obligations in terms of the agreement of loan thereafter to be concluded between Nedbank and yourself and,

    • that there is no change in any relevant factor and no new information becomes known to Nedbank which adversely affects the credit approval of your application, or the property in any manner.


    Hi . We see you are a Nedbank Client

    Use your Nedbank ID for a quicker process

    Use your Nedbank ID and we will prepopulate your information to make your Home Loan application experience quicker.

    What's a Nedbank ID?

    A Nedbank ID is a simple username and password combination.
    You'll need it to log on to all new Nedbank online banking channels.

    Disclaimer:

    Please note, all information captured/updated is solely intended for the purpose of this Home Loan application.

    Use Nedbank ID Skip

    Your home loan application has been saved!

    Username: Username

    Password: Password

    This username and password has been sent to your cell phone number ending with the following 4 digits: *******4356

    (if these are not the last 4 digits of your cell phone number, kindly review and amend on your application form and retry)

    To access your application again, simply visit www.nedbank.co.za/homeloans
    and log in.

    NB: This password will replace any previous passwords that you may have received for this “username”.

    Your home loan application has been saved!

    You're about to leave this page

    Do you want to save your application?

    You're about to leave this page

    Do you want to save your application?

    An error has occurred!

    Please try again or contact 0800 555 111 for assistance.

    OK

    Session timeout

    OK

    You are about to access a saved application:

    This application will be allocated to you.

    This application is currently in use by .

    Kindly contact 0800 555 111 for further assistance.

    Unable to retrieve saved application

    Your application has already been submitted OR has expired.

    Kindly contact 0800 555 111 for further assistance.

    Thank you!

    A Nedbank Sales Consultant will be in touch regarding your application within 24 hours.

    The information provided does not match our records.

    Kindly rectify in order to proceed.

    Digital Home Loan Application

    The application was created in a previous version. All the steps will have to be revisited if you want to continue with this application.

    Digital Home Loan Application

    The application was created in a previous version and can not be viewed.

    CONGRATULATIONS!

    Just for applying online we're giving you R cash back to use as you wish.

    All you need to do is complete and submit your application online via our self-service channel.

    The 1%* cash back is capped at R20 000 and is subject to your salary being paid into a Nedbank transactional account.

    I have read and understood the *terms and conditions.

    CONGRATULATIONS!

    You are 1 step closer to receiving 1% cash back.*

    Simply click here and we will call you back.

    The 1%* cash back is capped at R20 000 and is subject to your salary being paid into a Nedbank transactional account.

    I have read and understood the *terms and conditions.

    Agent contacted

    We sent your contact details to the agent, they will be in touch with you.

    Done