Home Loan Interest Rate Guides
Your interest rate decides what your bond actually costs month to month. These guides explain how the prime rate works, what 'prime minus' really means for your instalment, the trade-offs between fixed and variable rates, and how to read rate forecasts before you decide what to fix.
What the SARB and the bank economists publish as their interest rate forecasts after the July 2026 MPC — every view attributed and dated — plus what a 0.25% move would cost a R1.5m bond.
Updated 13 Sept 20268 min read
Yes — but only on the margin, and only if the bank sees lower risk. Here is what actually moves your quoted rate in South Africa, what does not, and how to put yourself in the strongest position before you apply.
Updated 13 Sept 20267 min read
What the SARB repo rate is, who sets it at MPC meetings, how it drives the prime lending rate, and what a change adds to or shaves off your monthly bond repayment.
Updated 13 Sept 20268 min read