Bond and Home Loan Calculators

ooba Bond and Home Loan Calculators allow you to work out the size home loan you are likely to qualify for and how much your bond repayments will be.

With ooba at your side, becoming a home owner is within your grasp. Our Bond Affordability Calculator (also called a Bond Calculator or Home Loan Calculator) as well as the other tools on this page are perfectly geared towards doing accurate home loan calculations and making it easy to buy property in South Africa. 

The ooba calculators allow you to work out:

  • The size home loan you’re likely to qualify for.
  • How much your bond repayments will be.
  • The likely size of your bond and transfer costs.
  • The effect of increasing your monthly home loan repayments.
  • How much you’ll need to save for a deposit on your property purchase.
  • How your monthly home loan premium is split between interest and capital repayment.
What loan amount do I qualify for?
What will my monthly bond repayments be?
What if I pay in more each month?
What will the bond and transfer costs be?
What portion is paid to capital and interest on my home loan?
How much do I need to save to afford my home loan deposit?

Exactly what will your home cost you in monthly bond repayments and what will the total overall cost of your home loan be? If you could pay extra every month, how much faster would you repay your loan? 

These are important questions which can all be answered with the home loan calculators in this section.

Bond affordability, amortisation and bond repayment calculators

When you invest in a property, you’ll need to work out other costs too, like bond registration and transfer costs. Be realistic about including these costs in your calculations – our Bond Affordability Calculator can assist.

Our Amortisation Calculator makes it possible to get a good picture of the whole life of your bond. Based on a fixed monthly repayment, you'll see what amount you'd be paying in interest every month of every year that you're bonded. Plus, you can calculate the total you'd pay in interest over the whole period. 

You'll also see how much your loan reduces by every month over the full period of the bond, and how quickly the balance reduces near the end of the term of your bond. Try our Bond Repayment Calculator to get an idea of what your monthly repayments will look like.

We recommend starting with the ooba Bond Calculator, and working your way through the other tools from here. Our ooba consultants are on standby if you have any questions.

Hello ooba news

From independent advice to better interest rates (and better results), using a bond originator as your personal home-loan consultant comes with some major perks.

What is a bond originator

Buying your first home can be a very exciting time!

If you’re in the property market, or just considering buying your first home, you should be thinking about these things in 2014 to save you money and to protect your investment. Make one of these resolutions now, and stick to it!


A prequalification certificate will take some of the uncertainty out of the house