Banking & Finance · Contact details
Nedbank Bond Contact Details
A bond is the mortgage registered over your property at the Deeds Office, and it is the part of a Nedbank home loan that involves attorneys rather than the bank alone. Nedbank does not publish a separate bond telephone number: bond matters go through the main contact centre on 0800 555 111, and the legal steps go through the conveyancing attorney Nedbank appoints.
Nedbank bond contact numbers
| Line | Details |
|---|---|
| Nedbank Contact Centre | 0800 555 111, toll-free and available 24 hours a day, seven days a week |
| From outside South Africa | +27 10 217 4076 |
| Client Complaints Helpline | 0860 444 000 or 011 710 4011, Monday to Friday 08:00 to 17:00 and Saturday 08:00 to 12:00, email clientfeedback@nedbank.co.za |
| Suspected fraud | 0800 110 929 |
| Not for bonds: MFC Contact Centre | 084 196 4473 (Nedbank vehicle finance division) |
Do not use the MFC Contact Centre number, 084 196 4473, for a bond. MFC is the Nedbank vehicle finance division, and a home loan or bond query put to it will be redirected. The Contact Centre on 0800 555 111 is the route for bond queries at any hour, and the complaints helpline takes over when a query becomes a dispute.
Which Nedbank home loan journey a bond question belongs to
Nedbank splits home lending into five journeys, and a bond question usually belongs to one of the last three rather than to a new purchase:
- Buy, to finance a purchase
- Build, to fund construction or a renovation
- Switch, to move an existing bond from another bank to Nedbank
- Manage, to review an existing home loan
- Further lending, to draw money against an existing home loan using the equity in it
Nedbank publishes three calculators, and the one most people need for a bond is not the repayment one. Alongside the affordability and bond repayment calculators there is a separate bond and transfer costs calculator, which estimates the attorney and Deeds Office costs that fall due before registration rather than the monthly instalment afterwards.
How the bond is registered and what it costs you
The bond is registered only after the legal process completes. Nedbank appoints the attorney, you sign the loan documents and pay the attorney fees, and the attorneys then lodge the bond with the Deeds Office. Registration happens once the Deeds Office is satisfied, and that is the point at which you become the legal owner.
Attorney registration fees and property transfer costs are payable by you, not by the bank. Nedbank states it will finance up to 109 percent for a first-time homebuyer specifically to cover those upfront costs. If you are buying another home, Nedbank advertises up to 50 percent off attorney fees, 0,25 percent off the interest rate for existing Nedbank clients, and up to a further 0,50 percent off for taking an additional home loan.
Fees are set out in the Nedbank pricing guide, which is a downloadable document rather than a page, so ask for the current version rather than relying on a figure quoted verbally.
Closing a Nedbank bond
Settlement and cancellation is a separate legal process from paying the loan off. Nedbank publishes guidance on it, and a bond stays registered until it is formally cancelled at the Deeds Office. The Contact Centre on 0800 555 111 is where the process starts.
Who to raise a Nedbank bond complaint with
- Raise it with the contact centre on 0800 555 111 first, then the Client Complaints Helpline on 0860 444 000.
- Report suspected fraud on 0800 110 929.
Frequently asked questions
What is the Nedbank bond contact number?
The Nedbank Contact Centre on 0800 555 111, toll-free and available 24 hours a day, seven days a week. There is no separate bond telephone number.
How do I close my Nedbank bond?
Settlement and cancellation is a separate legal process from paying the loan off: the bond stays registered until it is formally cancelled at the Deeds Office. Start at the Contact Centre on 0800 555 111.
What is the Nedbank bond email address?
The Client Complaints Helpline email is clientfeedback@nedbank.co.za, with the helpline itself on 0860 444 000 or 011 710 4011.
Who pays the attorney fees when registering a bond?
You do: attorney registration fees and property transfer costs are payable by you, not by the bank. For a first-time homebuyer Nedbank finances up to 109 percent specifically to cover those upfront costs.
Sources
- personal.nedbank.co.za/contact-us.html (contact centre, international, complaints helpline numbers and hours, fraud line)
- personal.nedbank.co.za/borrow/home-loans.html (the five home lending journeys, the bond and transfer costs calculator, the six step application and registration process, first-time buyer financing, attorney fee and rate discounts, settlement and cancellation, pricing guide)