Real South African home - modern family house at golden hour

One home. One loan. A lifetime of financial decisions - made clearly.

From planning what you can afford to managing your bond, optimising your rate and building property wealth, clxr gives you the clarity to know where you stand and what your options could look like.

★★★★★4.5/5
rated by homeowners

Is your home-loan rate still competitive?

See what a different rate could mean - 9.50%
R1,847
potential saving /mo
That's R22,164 per year • Illustrative
Ahead of next rate decision
+R284
Now: R16,641/mo After: R16,925/mo @ 10.75%
What if rate changes by: +0.25%
If rates rise 0.25%, you pay more on top of missing your saving.
Check my rate →

Illustrative estimate. Your actual rate and saving depend on your bank, credit profile, loan-to-value ratio and other lending criteria.

Your home loan journey - winding road from affordability to homeownership

Your home loan journey, simplified : clxr pulse

From planning your purchase to paying off your bond, clxr helps you

One home. One financial picture.

clxr brings your home-loan and property decisions into one place.

A clearer view of where your home loan stands.

Know where you stand, understand what’s changing, spot opportunities and see what each decision could mean for your home and your finances.

Clarity that stays with you.

Give clxr your numbers and turn them into a clear view of your home-loan position, the opportunities identifed and the next steps you could consider.

Tell us about your position

Track your position

Income, expenses, deposit, loan balance and rate. Takes about 60 seconds.

Understand your position

Understand

See your affordability, rate, repayment and potential opportunities in one view.

Decide what to do next

Identify opportunities

Get practical guidance and tools to help you act on the opportunities clxr identifies.

clxr rate assessment result
FAQ journey background - question to home to clarity

Every question about clxr, answered clearly

Still unanswered?

Chat to us →
What homeowners are saying - diverse South African homeowners testimonial

What homeowners are saying

Real results from clxr users.

R250k+
Avg potential saving
60 sec
Average check time

"My bond rate was 11%. clxr showed I qualified. Used their draft email and my bank matched it. Saving R2,100+ per month."

DM
Dee M.
Saved R500k+
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The Open Letter: PropTech to Save You Money

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MPC in 51 days • Prime 10.50%
R1,847/mo
Review →