First-time buyer bonds, standard home loans, and further/re-advance facilities on your existing bond, with rates linked to prime.
Know your borrowing power before you start house-hunting, with no obligation.
Choose a term of up to 20 years, balanced against your monthly affordability.
Access equity already built up in your existing Mzansi Bank bond.
| Item | Indicative fee / rate |
|---|---|
| Initiation fee | Up to R6,037 (NCA-capped, once-off) |
| Monthly service fee | R69 |
| Bond registration (via attorneys) | Variable, quoted separately |
| Early settlement penalty | None after the first 24 months |
| Life cover requirement | Required, available via Mzansi Life |
First-time buyers may qualify for up to 100% financing; a deposit of 10–20% typically improves your rate on standard home loans.
Three months' payslips and bank statements, your ID, and the offer to purchase, in line with the National Credit Act affordability assessment.
Yes — this is called a bond switch or refinance, and Mzansi Bank covers a portion of the associated switching costs.
An adviser at Mzansi Advisors can help you plan the full picture — bond, life cover and budget — at no extra cost.
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