SA Home Loans offers a variety of mortgage solutions, each with its unique features and benefits, with a wide loan amount range, catering to different financial needs, from modest properties to luxury homes. With repayment terms extending up to 30 years and borrowers can enjoy manageable monthly payments.

Applying for a loan with SA Home Loans is streamlined for ease, with online tools like loan calculators and pre-qualification assessments. Prospective borrowers can simulate their loan scenario using these tools to understand their potential monthly repayments, total loan cost, and the impact of different interest rates on their finances. This simulation helps in making an informed decision, giving a clear picture of how the loan aligns with their long-term financial planning and the cost implications over the loan’s tenure.


SA Home Loans Benefits

  • Competitive Interest Rates: Benefit from SA Home Loans market-responsive rates, ensuring affordability and value throughout your loan term.
  • Flexible Repayment Terms: Tailor your mortgage with options up to 30 years, providing payment flexibility to fit your financial life cycle.
  • Quick Approval Process: Experience efficiency with SA Home Loans streamlined application, ensuring a fast track to home ownership.
  • Minimal Paperwork: Enjoy a simplified application process, reducing the complexity and time spent on loan formalities.
  • Unsecured Loan Options: Access unsecured loans without collateral, offering financial solutions with less burden.
  • Generous Loan Amounts: Qualified borrowers can secure substantial funding, facilitating the purchase of a wide range of properties.


Interest Rate Variability: Rates may fluctuate based on market conditions and personal creditworthiness, affecting monthly payments.


Repayment Flexibility: While flexible, long-term loans mean more interest over time, necessitating careful financial planning.

Approval Speed: Quick processing requires complete and accurate documentation upfront to avoid delays.

Documentation Requirements: Minimal paperwork does not negate the need for essential financial documents to ascertain creditworthiness.

Borrowing Limits: Loan amounts are dictated by individual financial status and property value, affecting purchasing power.

SA Home Loans blends competitive rates with flexible terms, providing a comprehensive mortgage service tailored to diverse homeowner needs, while ensuring transparency and efficiency throughout the loan process.

Eligibility Criteria for Securing a Loan with SA Home Loans

To apply for a loan with SA Home Loans, several key requirements must be met. A good credit score is typically necessary to qualify, with higher scores improving loan conditions, like lower interest rates. Applicants must demonstrate stable income levels to ensure they can manage monthly repayments, with the specific income requirements varying based on the loan amount and terms.

Employment status is also a crucial factor, steady employment, preferably on a permanent basis, enhances the likelihood of approval. Additionally, financial records, including bank statements and debt-to-income ratios, are assessed to gauge financial health and borrowing capacity.

SA Home Loans: Pioneering Home Finance in South Africa

SA Home Loans, launched in 1999, quickly distinguished itself by offering innovative, customer-focused home financing solutions in South Africa. Not just another bank, but a specialized mortgage provider, it revolutionized the market by introducing securitization, directly connecting borrowers with capital markets. This approach enabled more competitive rates and accessible loans. With a strong reputation for transparency, integrity, and customer-centric services, SA Home Loans has become a trusted name in the industry, known for its commitment to helping South Africans achieve homeownership.


Ideal Candidate Profile for SA Home Loans

SA Home Loans is designed for individuals and families across South Africa who are in the market for a new home,  whether as first-time buyers or those looking to invest further in property. To qualify, applicants should have a stable income, with earnings that comfortably cover loan repayments, alongside a good credit score to secure favorable loan conditions. Employment stability is crucial, with preference given to those in permanent positions, although self-employed individuals with solid financial records can also qualify. The loans cater to a wide range of financial situations, offering solutions from small starter homes to larger family residences. Therefore, the ideal customers are those committed to long-term investment in their property, with financial stability and a clear understanding of the responsibilities that come with a home loan.

Loan Application Process at SA Home Loans

  1. Initial Inquiry: Use the SA Home Loans Affordability Calculator to estimate loan eligibility.
  2. Formal Application: Apply online or call to discuss with a consultant.
  3. Document Submission: Provide necessary financial documents for assessment.
  4. Credit Check: Undergo a credit evaluation for loan approval.
  5. Property Valuation: Have the intended property appraised by professionals.
  6. Sign Agreement: Review and sign the loan offer document.
  7. Finalization: Receive confirmation of loan activation and manage through SA Home Loans client services.

Home Loan Options at SA Home Loans

SA Home Loans provides a diverse range of loan products catering to different needs and circumstances:

  • 20 Year Home Loan: A balanced option offering a standard loan period that fits many homeowners financial plans.
  • 30 Year Loan: Offers an extended repayment period, resulting in lower monthly installments, suitable for those needing more manageable repayment terms.
  • Edge Home Loan: This unique product allows for very low installments in the initial three years, transitioning to standard rates thereafter, ideal for those expecting income growth.

Additionally, SA Home Loans features Special Home Loans like the Affordable Housing Package and 100% Home Loan, providing solutions for individuals with specific financial needs, including government employees through the GEHS Mortgage Loan and GEHS Housing Access Loan. These special loans cater to purchasing, building, or improving homes, with or without a title deed, and offer benefits like discounted rates and flexible terms for government employees.

Customer Service for SA Home Loans

Phone Support: Call the client service helpdesk at 0861 888 777 or the sales center at 0860 2 4 6 8 10, available for monday to friday, at 8 am until 5 pm.

Email Support: For general inquiries, contact [email protected]

Official Website: Visit SA Home Loans website for detailed information and to get access for online services.

These channels ensure that SA Home Loans provides comprehensive support to their clients.