Mortgage Calculators for South African Home Buyers
A mortgage is commonly called a home loan or bond in South Africa. Estimate monthly repayments, check affordability and budget for a deposit and transfer costs with Gateway's free calculators before applying.
Calculate your next property move
Explore each tool for a different part of your home loan and property finance decision.
Mortgage & Bond Repayment Calculator
Estimate monthly repayments from your loan amount, interest rate and term.
Learn moreTransfer Cost
Plan transfer duty, attorney and registration costs.
Learn moreAffordability
See how much home loan your income could support.
Learn moreDeposit
Understand the effect of your deposit on repayments.
Learn morePre-Approval Qualification
Check your likely purchase price range.
Learn moreWhich mortgage calculator do you need?
Use the bond repayment calculator to compare loan amounts, interest rates and repayment terms. Use the affordability calculator to explore what your income could support, then the deposit and transfer cost calculators to plan your upfront cash.
These estimates are not bank offers or approval decisions. Budget separately for lender fees, insurance, rates, levies and maintenance; your bank assesses your income, expenses, credit profile and the property.
From an estimate to a real home loan application
Calculators are a useful first step, but a pre-approval uses your actual income, expenses and credit profile. Gateway helps you move from an estimate to a secure online application with specialist support.
Related guidance and next steps
Get Your Free Home Loan Pre-Approval
One online application, compared across leading South African banks, with an experienced mortgage specialist guiding you from pre-approval to registration.
Start my free pre-approval