# Bank Home Loan Products & Specials

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New home loan products, rate specials and changes to lending criteria from South Africa’s major banks. We cover genuine launches — 100% bonds, fixed-rate deals, access bonds — and what each product change actually means for your application.

06 Sep 2026

[Fixed vs variable home loan in South Africa: which should you pick before the September rate decision?](https://bond.co.za/news/fixed-vs-variable-home-loan-south-africa)

Prime is 10.50% and the SARB decides again on 23 September. We weigh fixed vs variable home loans in South Africa — cost, risk and who each suits.

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