About SA Home Loans
One of the main features of SA Home Loans that truly sets us apart from the large banks is that we deal only with home loans and have a massive team of staff who are specialists in the field.
In addition, our focus is on you and your needs and we will always approach your loan application with an open mind.
A fully comprehensive home loan service
Another thing that makes us unique is that we are able to assist our customers with everything from securing the finance and purchasing the home to registering the home in your name - if it's got something to do with property ownership than we're the go to guys!
What SA Home Loans can offer you
At SA Home Loans we offer 3 specific home loan products which include the variable home loan, the 30 year home loan and the edge home loan.
The variable home loan
This option is the most popular and offers you an interest rate that is tailored to your credit history. The maximum loan term is 20 years and you can get a personal loan 3 days after signing the agreement to refurbish your new home or use as you like.
The 30 year home loan
This is a home loan with a loan term of 30 years and also offer an interest rate that matches your credit profile. This is ideal for those who wish to secure a lower monthly mortgage instalment.
From 0 %
To 0 % Per annum
Here’s a short video about SA Home Loans
In a Nutshell
- Floating-rate home loans
- Online application
- In-store application
Applying for a Home Loan with SA Home Loans
One of the things that we've become well known for over the years is our commitment to our customers.
We are an understanding credit provider that truly wants to make sure your dream of owning your own home becomes a reality.
Using our Long List of Resources
Buying a home is no small purchase - so you need to do all the research you can and ensure that you understand all the terms, conditions, features, costs fees and so on. To help you understand the home buying process we have made a range of resources available on our website to help you.
You can use our loan calculators, go through our list of official links, find out everything you need to know about buying your first home and find out more about our products and services on our website.
The edge home loan
This home loan product is unique in the industry and allows customers to repay only the interest on their home loans for a period of up to 36 months after which the variable interest rate is then applied. At the end of the term, the entire loan is repaid.
How to apply for your home loan
With SA Home Loans we want to make the process of applying for a home loan as swift and simple as possible. We have a simple 3 step online application to help you make your real estate dreams come true.
- The first step is to check your eligibility for a home loan, make sure you meet the home loan criteria.
- The second step is to have a look at the financial qualification. This allows you to calculate what your loan instalment would be, as well as show you the fees you can expect to pay
- The third step is to provide your personal details and complete the online application.
Once all three steps are finished you may submit your application along with your supporting documentation. The entire process should take approximately 10 - 15 minutes to complete. Should you require additional assistance, feel free to give us a call or submit a "call me back" request on our website, and one of our staff members will call you back and provide the assistance you require.
Eligibility & Requirements
- 18 years or older
- ZA resident
- Employed full-time
- Active ZA bank account
- Photo ID
- Recent pay slips
- Bank statements
- Proof of address
Other Products & Services
- HOME Loans
Customer Reviews & Testimonials
My wife and I were very impressed with SA Home Loans, they provided decent service and offered us a 1% lower interest rate than any other institution we looked into. Very happy with the overall s...
— Port Elizabeth —
Very affordable fees and excellent interest rate offered. I was also very impressed by how fast my loan was approved
— Nelspruit —
It was a very smooth and simple application and approval process. Competitive interest rates and very good loan terms offered. I would advise others to make use of SA Home Loans
— East London —