Yandisa Home Loans

Know what you can afford before you start looking.

Free online pre-qualification and help with your home loan application. There is no cost to you.

Room to own: know your budget before you start house-hunting.

Home loan services are offered as Yandisa Home Loans. Free to you. Final approval is the lender’s decision. You’ll be taken to our secure application partner to create your profile or log in.

Get pre-approved (opens our secure application partner in a new tab)Start an application (opens our secure application partner in a new tab)Calculators
Our solution

Pre-qualify, prepare, apply.

No cost to you. Yandisa Home Loans does not charge you for pre-qualification or for helping you prepare and submit your application.

  • Free online pre-qualification so you know your likely budget
  • Help gathering and checking your documents
  • Your application prepared and submitted to lenders for their assessment
  • Updates from application to outcome
  • A general explanation of typical buying costs, such as transfer and bond registration
Start an application (opens our secure application partner in a new tab)

Free to you. Final approval is the lender’s decision. You’ll be taken to our secure application partner to create your profile or log in.

Start in a few minutes

It is free and opens on MortgageMax MM Online in a new tab.

Get pre-approved (opens our secure application partner in a new tab)

Free to you. Final approval is the lender’s decision. You’ll be taken to our secure application partner to create your profile or log in.

Information you enter there is handled under MortgageMax's own privacy policy.

Call 010 502 1781
How it works

How it works

  1. Get pre-approved

    Complete the free online application on our secure partner’s site. You will leave this site to do it.

  2. We talk you through it

    The Yandisa team contacts you to discuss the estimate and the documents you need.

  3. We prepare your application

    We help you put together a complete application.

  4. Lenders assess it

    Your application is submitted to lenders, who make their own credit decision.

Find out where you stand today

Free, online and takes a few minutes.

Get pre-approved (opens our secure application partner in a new tab)

Free to you. Final approval is the lender’s decision. You’ll be taken to our secure application partner to create your profile or log in.

Calculators

Work out your numbers

Three quick calculators to plan your purchase: your monthly repayment, what you could afford, and the once-off costs of buying. Rates and tables as at 23 October 2026.

Bond repayment calculator

Leave as 0 if you have no deposit.
Default is the SA prime lending rate, 10.75% as at 23 October 2026. Your lender sets your actual rate.

Estimated monthly repayment

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Loan amount
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Total repaid
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Total interest
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Estimates only. Not a credit offer or approval. Rates, fees and costs vary. Figures assume a fixed rate for the whole term and exclude insurance, bank fees and once-off costs.

Get pre-approved (opens our secure application partner in a new tab)

Free to you. Final approval is the lender’s decision. You’ll be taken to our secure application partner to create your profile or log in.

Affordability calculator

Applying
Before tax and deductions.
Take-home pay, combined if joint.
Car, credit cards, loans, school fees, rent you will keep paying.
Default is the SA prime lending rate, 10.75% as at 23 October 2026. Your lender sets your actual rate.

Estimated maximum bond

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Indicative maximum repayment
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Estimated purchase price (bond + deposit)
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Left after expenses and repayment
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Estimates only. Not a credit offer or approval. Rates, fees and costs vary. This uses an indicative guideline that your bond repayment should not exceed about 30% of gross monthly income, a common rule of thumb among South African lenders. It is not a lender decision: each lender does its own affordability and credit assessment.

Get pre-approved (opens our secure application partner in a new tab)

Free to you. Final approval is the lender’s decision. You’ll be taken to our secure application partner to create your profile or log in.

Transfer & bond costs calculator

Use 0 for a cash purchase.

Estimated once-off costs

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Transfer duty (SARS)
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Transfer attorney fees (guideline, incl. VAT)
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Bond registration attorney fees (guideline, incl. VAT)
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Deposit (price less bond)
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Estimated cash needed (deposit + costs)
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Estimates only. Not a credit offer or approval. Rates, fees and costs vary. Transfer duty uses the current SARS table (no transfer duty applies where the seller is a VAT vendor and VAT is included in the price). Attorney fees use the recommended LSSA conveyancing fee guideline plus 15% VAT; attorneys may charge differently. Not included: Deeds Office fees, disbursements (such as rates clearance and FICA costs), bank initiation fees and other charges. Ask us for an exact quote.

Get pre-approved (opens our secure application partner in a new tab)

Free to you. Final approval is the lender’s decision. You’ll be taken to our secure application partner to create your profile or log in.

Documents checklist

Lenders usually ask for the documents below; each may ask for different or additional ones. Please do not send documents through this website.

If you are employed

  • South African ID (or passport and permit)
  • Latest three months' payslips
  • Latest three months' bank statements
  • Proof of residential address
  • Signed offer to purchase, once you have one

If you are self-employed

  • ID and proof of address
  • Two years' financial statements
  • Latest six months' business and personal bank statements
  • Latest tax assessment or accountant's letter
  • Company registration documents, if applicable
ImportantA pre-qualification or pre-approval is an estimate only. It is not a loan offer or a final approval. Approval of any home loan is at the sole discretion of the lender, which also sets the interest rate and terms based on its own assessment. We cannot guarantee that any application will be approved. Yandisa Home Loans is not a lender.
The problem

Why buying feels hard

Most of the stress comes from not knowing where you stand.

  • Not knowing what you can affordViewing the wrong homes, or falling for one you can't finance.
  • Bond applications declinedIncomplete paperwork or applying without preparation can lead to a decline.
  • Paperwork overloadPayslips, statements, offers to purchase: it is easy to miss something.
  • Surprise costsTransfer and bond registration costs can catch buyers off guard.

Recognise one of these? The Yandisa team can help you fix it.

Book a consultation

Prefer a call?

Leave your details and the Yandisa home loans team will call you back.

  • Free to you
  • No obligation

Request a call back

The Yandisa team will call you back during office hours (Monday to Friday, 09:00 to 17:00).

Please do not send ID numbers, payslips, bank statements or medical details through this form. If documents are needed, we will tell you how to send them securely.

Ready for your next step?

Talk to the Yandisa team. WhatsApp us any time; we answer during office hours, Monday to Friday, 09:00 to 17:00.

Call 010 502 1781Book a consultation
WhatsApp us