Free LuxProp Tools
Know exactly what you can afford, and what your bond will really cost.
Four calculators built around how South African banks actually assess buyers. No third-party widgets, no hidden fields, no email walls. Run the numbers, then talk to us.
Bond Repayment
Tell us the home, the deposit, and the term. We’ll show you the monthly repayment and what the bond will cost you in total over the life of the loan.
Your inputs
Default is current SA prime. Your actual rate may be higher or lower depending on your credit profile.
Monthly repayment
R 0
Capital + interest only. Excludes rates, levies and homeowner’s insurance.
Loan amount
R 0
Deposit
R 0
Total repaid over term
R 0
Total interest paid
R 0
What can you afford?
South African banks lend on two tests: 30% of your gross income, and your disposable income after expenses. We run both, show you the binding number, and back-calculate the home price it supports.
Your finances
Optional, but makes the affordability check more accurate.
Rent, groceries, transport, utilities, school fees, lifestyle.
Credit cards, car finance, personal loans, store accounts.
You qualify for a home around
R 0
Indicative only. Final approval depends on the bank’s view of your full credit and employment profile.
Maximum bond
R 0
Indicative monthly repayment
R 0
30% of gross ceiling
R 0
NCA disposable ceiling
R 0
Binding test
–
The extra-payment effect
An extra few thousand a month into your bond often shaves years off the loan and saves you the equivalent of a second deposit in interest. See exactly how much.
Your bond
Even R1 000 extra a month makes a measurable difference. Try a few numbers.
You’ll pay off your bond
–
earlier than the standard schedule.
Interest saved
R 0
Standard monthly
R 0
Accelerated monthly
R 0
Original payoff
–
New payoff
–
Total paid (standard)
R 0
Total paid (accelerated)
R 0
The full amortisation
Year by year, or month by month: every rand you’ll repay, split between interest and capital, with the running balance. Download the schedule and take it to your bond originator.
Your bond
Monthly repayment
R 0
Total interest
R 0
Total paid
R 0
The real cost of buying
Transfer duty, conveyancing, deeds office, bond registration. Every rand a buyer needs to bring to the table over and above the purchase price, broken down so there are no surprises at the attorney’s desk.
Your purchase
Most buyers in our band finance 80–100% of the purchase price.
If the seller is a registered VAT vendor (i.e. a developer selling new units), VAT is built into the price and SARS transfer duty falls away.
Total upfront costs (excl. deposit)
R 0
Approximately 0% of the purchase price.
Transfer costs
Bond registration costs
Indicative figures. SARS scales reflect the most recent Budget update. Conveyancing fees are an LSSA-recommended approximation. Your attorney’s actual quote may vary by 5–10%. Deeds office fees are gazetted government tariffs.
Get a real bond quote
We’ll send your details directly to Verna Morrison, our Structured Finance Specialist at BetterBond Private Clients. She’ll come back to you with an actual rate offer based on your credit profile, usually within one working day.