Home loan rates people actually got
Banks advertise "from" rates - this is what Property HQ members were really approved at, shared anonymously and compared with prime. A bank only appears once 3 members have reported it, and only the middle figures are shown.
Not enough reports yet for these filters - each bank needs reports from 3 members. Got a bond in the last few years? Share your rate and help the next buyer.
- Each rate is compared with the prime rate in force in the month it was approved (from the SARB), so older approvals still compare fairly. Members' own reports - not advice or an offer from any bank.
- Anonymous: no names are shown, and a bank only appears once 3 members have reported it.
Frequently asked questions
4 quick answers - tap a question to open itWhat home loan rate can I expect?
Most approvals are at or below prime; buyers with a bigger deposit, a strong credit record and a good income usually get more off. The table shows what members actually got at each bank over the last year.
Why is the rate shown as 'prime minus'?
Banks price home loans relative to prime, and prime moves when the Reserve Bank changes the repo rate. Comparing to prime lets a rate approved last year sit next to one approved this month.
Is my rate shared with anyone?
No one can see your report. A bank only appears once several members have reported it, and then only the middle figures are shown - never one person's rate.
Should I use a bond originator?
An originator applies to several banks at once at no cost to you, and the competing offers often lower the rate. The table shows how many members used one.