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MyProperty Africa

MyProperty Home Loans

10 clients secured
better-than-prime rates

β‰ˆ R1.41m less interest vs Primeβ‰ˆ R1.41 million in interest savings compared with Prime

βˆ’1.2%+1.2%

Prime

One application. All the banks. Better rates.Let's get started_

Affordability checkEstimate your monthly buying range.

One application. Up to 8 lenders.

We compare home loan offers from South Africa's leading banks and lenders to help you secure a competitive rate.

  • Standard Bank logo
    Standard Bank
  • Nedbank logo
    Nedbank
  • FNB logo
    FNB
  • Absa logo
    Absa
  • RMB logo
    RMB
  • Investec logo
    Investec
  • SA Home Loans logo
    SA Home Loans
  • Sentinel Homes logo
    Sentinel Homes

Expert guidance when you need it

Michael-Anne, MyProperty Home Loan Consultant

Michael-Anne

MyProperty Home Loan Consultant

Move from an estimate to a more complete assessment with help from our team. We can review your affordability, check your credit profile with your consent, and guide you through your home-loan options.

  • Free service. No obligation.
  • More complete than the self-service estimate.
  • Credit check only with your consent.

What buyers say

Many of our clients come through referrals. Here’s why.

β€œ
We would 100% recommend Michael-Anne for her exceptional work in helping us secure a home loan. From our first consultation, Michael-Anne was professional, knowledgeable, and proactive. Our application was more complex, but she guided us through every step of the process, explained all the requirements clearly, and handled communication with the bank on our behalf. Her attention to detail and persistence were key in getting our home loan approved, along with an excellent interest rate. Thanks to Michael-Anne and MyProperty Home Loans, we are now proud homeowners. We would not hesitate to recommend them to anyone needing expert home loan assistance.
β€” Z.K.
β€œ
We would like to thank Michael-Anne for her professionalism, swift and informative responses, industry knowledge, effective communication, and continuous updates throughout our home loan application process. We also appreciated being treated fairly from start to finish. With this level of service, we would not hesitate to recommend Michael-Anne and MyProperty Home Loans.
β€” D. Family
β€œ
Michael-Anne assisted us with our bond application process and was exceptionally professional, knowledgeable, and attentive throughout. She guided us step by step, made sure we understood each stage, and helped ensure all the necessary documentation was in place. Her responsiveness and willingness to go the extra mile made what could have been a stressful experience feel smooth and efficient. Thanks to her dedication and expertise, our bond application was handled promptly and successfully. We highly recommend Michael-Anne to anyone seeking support with property finance.
β€” B. Family
β€œ
Michael-Anne assisted me as a bond originator during the purchase of my home. From our first interaction, she was professional, knowledgeable, and exceptionally supportive throughout what proved to be a very stressful process. Her calm and reassuring approach made a significant difference, especially during times of uncertainty. One phrase that stayed with me β€” and perfectly reflects her commitment β€” was, β€œWe will make it out on the other side.” True to her word, we did, thanks in no small part to her dedication and expertise. Michael-Anne consistently went above and beyond to make sure I understood each step of the process and that everything progressed as smoothly as possible. I would gladly recommend her to anyone needing assistance with home financing. She is an outstanding professional and a genuine asset in her field.
β€” S.K.

Know where you stand before you apply

Whether you’re checking your credit profile or getting pre-qualified, MyProperty Home Loans helps you take the next step with more confidence.

Understand your credit profile

Your credit score is only one part of a home loan application. Banks also look at your affordability, deposit, debt, income stability and the property being financed.

This is an illustrative guide only. Credit bureaus and banks use different scoring models and approval criteria. Your affordability, income, expenses, existing debt and deposit also influence a home loan application.

Understand your credit profile

Your credit score is only one part of a home loan application. Banks also look at your affordability, deposit, debt, income stability and the property being financed.

Fair profile

You may have a fair chance of approval, but your credit profile, affordability, deposit, and existing debt still matter. Improving your profile could help strengthen your application.

MyProperty home loan pre-qualification certificate

Get offer-ready

Your pre-qualification certificate gives you a clearer view of your estimated buying power before you make an offer.

  • Estimated loan amount
  • Realistic buying range
  • More confidence with agents and sellers
  • Easier next step to application

Pre-qualification is not final bank approval. Final approval depends on lender checks and your credit profile.

Search by budget. Buy with more confidence.

Complete your Buyer Readiness self-service assessment in 60 seconds. When you view properties on MyProperty, you will immediately be able to see what is within your reach.

Start my Buyer Readiness check
322

R 2,050,000

R 20,124/m bondWithin your range
422

R 2,125,000

R 20,860/m bondSlight stretch

Let's crunch the numbers

Free calculators to help you plan your purchase with confidence.

Affordability Calculator

See how much home loan you could afford based on your income and expenses.

Bond Calculator

Work out your monthly repayments and the impact of extra payments.

Home Loan Savings Calculator

See how a lower interest rate can save you thousands over the term.

Transfer Cost Calculator

Estimate transfer duty, attorney fees, and bond registration costs.

Commission Calculator

Calculate estate agent commission and VAT from a sale price.

Interest-only Calculator

Compare an interest-only option against a standard home loan over time.

Home loan guides & news

Stay informed with the latest on home loans, interest rates, and getting bond-ready.

See all property news β†’