Although every effort has been made to ensure the accuracy of our calculators, ooba (Pty) Ltd. and its subsidiaries accept no liability in respect of any errors contained herein. Under no circumstances will ooba (Pty) Ltd and its subsidiaries be liable for any loss or damages whatsoever arising from the use of this calculator.

GOOD TO KNOW

Factors That Influence Your Home Loan

Credit Profile

Your credit score directly impacts the interest rate you are offered, which affects how much you qualify for and your monthly repayments.

Interest Rates

Even a 0.5% difference in your interest rate can save or cost you tens of thousands over a 20-year loan term.

Loan Term

A longer term reduces monthly repayments but increases total interest paid. Use our calculators to find your ideal balance.

Deposit Amount

A larger deposit reduces your loan amount, lowers monthly repayments, and can secure you a better interest rate from the bank.

Additional Costs

Bond registration, transfer duties, and attorney fees are upfront costs that add to your total home purchase expense.