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    Spence Attorneys

    Bond Calculators

    Plan your home purchase with our comprehensive bond tools

    Interest rate as at 25 September 2026: Prime lending rate 10.75% (Repo rate 7.25% + 3.5%)

    Checked 6 October 2026. Sources: SARB policy rate and Nedbank prime reference. Enter your lender's actual rate. Excludes bank fees and insurance; assumes a constant rate and monthly payments.

    Your Financial Details

    Your total monthly salary before deductions

    Include tax, living costs and all existing debt payments. This is a budgeting estimate, not loan approval.

    A deposit can increase your buying power

    5%Prime: 10.75%18%

    What You Can Afford

    Enter your income to see what you can afford

    How we calculate: Banks typically allow bond repayments up to 30% of your gross income. We also consider your existing expenses to give you a more realistic estimate.

    Individual bank criteria may vary. This is an estimate only.

    Disclaimer: These calculators provide estimates only and are for informational purposes. Actual loan amounts and repayments depend on your credit profile, the bank's assessment, and prevailing rates. Please contact us or your bank for a formal quotation.