See your rate clearly. Find out if you're overpaying on your bond.
Whether you’re buying your first home or already have a bond, clxr shows what you qualify for in 60 seconds. Check if you can lower your rate, or see what property value you can afford. No credit check, no spam.
See your potential savings
Based on Prime - 1%. We’ll check if you qualify.
Budget Smart, see the rate impact before it happens
Prime is currently 10.50%. Move the slider to model what happens on 23 July.
Next MPC: 23 July. Budget now, not when your debit order jumps.
The Reserve Bank meets next on 23 July, then again 23 September and 19 November. A 0.25% move either way shifts the average SA bond of R1,695,257 by R284/month.
Household budgeting gets easier when you plan ahead. Know your rate today and you can model both scenarios: If it hikes, where does that R284 come from? If it cuts, how fast can you ask your bank to pass it on?
Your bank won’t inform you. But with the dates locked in, you can set reminders, review your rate, and negotiate from a position of strength before the decision hits the headlines.
Model your impact
*Estimates only. Based on standard amortization with no fees or lump sums. Actual impact depends on your bank's terms. This is not financial advice.
Your home loan journey, simplified
See how clxr saves you at every step of the cycle.
Planning to buy
Months 1-6Know your budget before you browse. Get instant pre-approval in 60 sec. Save R15k+ by skipping unaffordable homes.
Bond Pre-approval →House hunting: Premium
Months 3-12Is it overpriced? Check fair value + reno costs before you offer. Negotiate with data, save R80k+.
Applying for bond
Weeks 1-8We submit to 7+ banks. They compete, you win. Avg 0.5% lower rate = R250k+ saved on R2m bond.
Bond Pre-approval →Owning & upgrading
Years 1-10Track equity live. Model reno ROI. Get rate-drop alerts. Refinance at the right time, save R120k+.
Paying off bond: Premium
Years 10-20Shave years off. See how R1000/m extra cuts 5 years. Annual health check catches rate creep. Save R400k+.
Free to start. Premium to save more.
Check if you’re overpaying in 60 seconds free forever. Upgrade when you’re ready to optimize your entire home loan.
Your paths. One clear answer.
We use the same affordability formulas banks use. But we check all of them, so you don’t have to.
Tell us your numbers
Buying: income, expenses, deposit. Refinancing: loan balance, current rate, property type. Takes 60 seconds.
See if you qualify
We check against the banks' criteria. Get your max property value or potential rate reduction instantly.
Get your next step
Overpaying? Get a pre-written email to your bank with your numbers. Copy, paste, send.
clxr is not a bank or broker. We’re an independent homeloan management platform. You stay in control.
What homeowners and the media are saying
Real results from clxr users, plus media reviews.
“My bond rate was 11%. clxr showed I qualified. Used their draft email and my bank matched it. On my R2.45m house, I’m saving R2,100+ per month — over R500k across my bond term.”
The Open Letter: Now You'll Pay Even Less for a House in SA
This PropTech Wants to Save You Money on Your House
Know your numbers. Keep more of your money.
A home loan is the biggest financial commitment most of us will make. Understanding how rates, terms, and bank reviews work puts you in control whether you’re buying or refinancing.
Join clxr’s monthly insights: plain-English updates on rate movements, what banks are approving, and proven ways homeowners are lowering their repayments. One email per month. Zero jargon.