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Home Loans
Home loans – simplified
Get up to
8.25% Interest per annum
Looking to buy, build, or upgrade your home? Whatever your property needs, we're here to help from beginning to end.You'll have the opportunity to borrow more money if your home had extra value when the initial bond was registered or if your home’s value has since increased.
First-time home buyers.
What would you like to do?
Managing your home loan
Stay on top of your loan repayments, balances, additional funds and more on our easy-access digital banking platforms.
Further lending on your bond
In case of a personal emergency or a need to upgrade or maintain your home, we offer various options to borrow money from your existing home loan..
Switch your home
Does your bank allow you to access the value in your home as cash or give you great interest rates to reduce your repayments? We'll do this and more.
Buying another home
Enjoy all the usual perks plus an additional discount on your interest rate. Tell us how much you earn and we'll give you an estimated loan amount.
- Get up to 50% off on your attorney fees.
- Get 0,25% off on your interest rate if you are a North Cape Reserved client.
- Get an additional 0,50% off on your interest rate if you take up another home loan with us.
Follow this guide to make your move
Apply for your loan online
Simply fill in the online form and upload your ID, bank statements and payslip or proof of pension for instant loan quotation. It will only take a few minutes to complete the process..
Affordability check
We’ll look at your affordability to see if you’ll be able to cover the monthly repayments on the loan
Property assessment
We’ll conduct an assessment to make sure that the property value is sufficient as security for the loan you need
Loan offer
If the credit and property assessments are a success, we'll send you a home loan offer, which you will need to accept.
Your Financial Future Starts Here, Start Your Account.
Instant
Flexible
Online Loan Calculator
Estimate your loan payments quickly & easily with our calculator.
Loan Questions? Check Our Faq’s Page.
Loan Amount
R15,000
Loan Term (Years)
2years
Interest Rate
11%
How much you’ll pay back in total
R21,390.24Flexible
Online Loan Calculator
Estimate your loan payments quickly & easily with our calculator.
Loan Questions? Check Our Faq’s Page.
Loan Amount
R15,000
Loan Term (Years)
2years
Interest Rate
11%
How much you’ll pay back in total
R21,390.24Flexible
Online Loan Calculator
Estimate your loan payments quickly & easily with our calculator.
Loan Questions? Check Our Faq’s Page.
Loan Amount
R15,000
Loan Term (Years)
2years
Interest Rate
11%
How much you’ll pay back in total
R21,390.24Flexible
Online Loan Calculator
Estimate your loan payments quickly & easily with our calculator.
Loan Questions? Check Our Faq’s Page.
Loan Amount
R15,000
Loan Term (Years)
2years
Interest Rate
11%
How much you’ll pay back in total
R21,390.24Flexible
Online Loan Calculator
Estimate your loan payments quickly & easily with our calculator.
Loan Questions? Check Our Faq’s Page.
Loan Amount
R15,000
Loan Term (Years)
2years
Interest Rate
11%
How much you’ll pay back in total
R21,390.24How much could a personal loan cost?
This is a representative example of what you can expect to pay.