Current home loan rates in South Africa

Buying a home starts with understanding rates. Explore our rates by loan type or get a personalised rate estimate in minutes.

SA Prime Lending Rate:11.50%
Updated May 2025

Compare home loan rates by type

Rates shown are indicative and subject to credit approval

20-Year Fixed

Most popular

Rate

11.50%

Prime rate

APR

11.82%

Stable repayments for the full term. Best for long-term planning.

15-Year Fixed

Pay off faster

Rate

11.25%

Prime – 0.25%

APR

11.55%

Higher monthly payment but significantly less interest overall.

Variable Rate

Flexible

Rate

10.75%

Prime – 0.75%

APR

11.00%

Rate moves with the South African prime lending rate.

SA Prime Rate History

SARB Monetary Policy decisions (2024–2025)

Jan 2024
11.75%
Mar 2024
11.75%
No change
Sep 2024
11.50%
-0.25%
Nov 2024
11.25%
-0.25%
Jan 2025
11.25%
No change
Mar 2025
11.50%
+0.25%
May 2025 (current)
11.50%
No change

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