How much house can I afford?
Estimate the maximum property price you could afford based on your income, existing debt, and deposit. A useful starting point before you apply for a bond.
Property affordability calculator
R
R10 000R300 000
R
R0R100 000
R
R0R2 000 000
20 years
5 years30 years
%
You could afford a property up to
R856 396
Max monthly repayment
R7 000
Max bond amount
R656 396
Plus your deposit
R200 000
A projection, not a credit decision. Based on allocating up to 30% of gross monthly income to a bond repayment, less your existing debt. Banks run their own affordability assessment under the National Credit Act, factoring in your full credit profile — the amount you're approved for may differ.
Know your price? See the repayment and upfront costs →
Monthly bond repayment plus transfer duty, registration, and attorney fees
Compare home loan options
Get pre-qualified with a bond originator — they submit one application to multiple banks and negotiate your rate. GuideStation never collects your personal information.