South Africa: Average Mortgage Interest Rates
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Next update:
November 2025
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South Africa
Source: The South African Reserve Bank
Quarterly average mortgage interest rates
| Q1 | Q2 | Q3 | Q4 | |
| 2025 | 11.17% | 11.00% | ||
| 2024 | 11.75% | 11.75% | 11.75% | 11.58% |
| 2023 | 10.58% | 11.08% | 11.75% | 11.75% |
| 2022 | 7.33% | 7.67% | 8.50% | 9.50% |
| 2021 | 7.25% | 7.25% | 7.17% | 7.00% |
| 2020 | 9.42% | 7.42% | 7.25% | 7.25% |
| 2019 | 10.25% | 10.25% | 10.00% | 10.00% |
| 2018 | 10.17% |
This table shows the average mortgage interest rates during a single quarter.
