Everything updates live as you type. Built around South African bond and FLISP rules — the affordability and repayment tools work for any market. Amounts are in ZAR.
| Max monthly instalment (30% of gross) | — |
| Disposable income check | — |
| Max bond amount | — |
| Plus your deposit | — |
Banks typically allow an instalment of up to 30% of gross income, capped by disposable income. Final approval always depends on the lender's credit assessment.
| Loan amount | — |
| Total interest over term | — |
| Total repaid | — |
| With extra payment: term shortens to | — |
| Interest saved by extra payment | — |
Includes SARS transfer duty (2025/26 brackets — properties under R1,210,000 pay no duty), estimated conveyancing fees, deeds office fees and bond registration costs. Attorney fees vary by firm; treat this as a close planning estimate, not a quote.
| Transfer duty (SARS) | — |
| Transfer (conveyancing) fees + VAT | — |
| Deeds office fee — transfer | — |
| Bond registration fees + VAT | — |
| Deeds office fee — bond | — |
| Sundries (postage, FICA, searches) | — |
First Home Finance (formerly FLISP) assists buyers earning R3,501–R22,000 per month. The subsidy scales from roughly R130,505 (lowest band) down to R30,001 (highest band) on a sliding scale and is paid toward your deposit or bond. Figures follow the published NHFC scale; confirm the current amount with the NHFC before relying on it.
| Income band check (R3,501 – R22,000) | — |
| Eligibility criteria met | — |
| Effect: reduces bond or boosts deposit by | — |
| Gross yield | — |
| Effective annual rent (after vacancy) | — |
| Annual running costs | — |
| Net annual income | — |
Rule of thumb: net yields above 8% are strong in most SA metros; student lets often trade lower vacancy for higher management effort.
| Bond | — |
| Municipal + levies | — |
| Insurance + security | — |
| Maintenance | — |