Compare Your Bond Switching Options
We've calculated three distinct pathways for your home loan switch based on your financial profile and current market rates.
Adjust Parameters
Did you know?
Most South African banks allow you to capitalize the switching costs into your new bond, meaning no upfront cash is required.
Match Outstanding Term
Optimized for your current timeline
Monthly Installment
Standard 20-Year Term
Balanced repayment strategy
Monthly Installment
Maximum Loan Value
Based on 30% affordability
Max Monthly Installment
How we calculate these
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Standard Term: Uses a 240-month period with an assumed base interest rate for switching clients.
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Lowest Rate: Available for properties with a Loan-to-Value (LTV) ratio under 70% and a high credit score.
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Maximum Value: Capped at 30% of your gross income, allowing for the highest possible principal loan amount.
Switching Cost Breakdown
Fees are calculated based on standard South African conveyancing tariffs as of 2024.
Ready to save?
Our consultants handle the paperwork across all major SA banks.
