Rating based on 42 reviews

SA Home Loans

  • Affordability assessment
  • Low-interest starting from 7.25%
  • Repayment up to 30 years

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SA Home Loans homepage
Author SA Home Loans. Screenshot of SA Home Loans website.
[Accessed December 12, 2022]

About SA Home Loans

SA Home Loans provides the full spectrum of home finance and credit solutions to South Africans.

They were established at the beginning of 1999 and have already originated over 100 000 residential housing loans. They take pride in their achievements and strive to accomplish even more. When you're ready to become a homeowner you're welcome to obtain the most affordable loan for purchasing your dream house.

Become debt-free again

SA Home Loans will take care of the entire loan process from the approval and origination to the registration. They strive to make things easy and simple for you. Whenever you want to tap on lower rates, fix your interest or consolidate existing debt using your home equity, they're there to provide full assistance.

As in the case of any credit facility, debt consolidation loans should be used wisely. There are many considerable advantages that debt consolidation offers, however, it does need to be used sensibly. SA Home Loans are proud to be a responsible lender, they've been able to reach the lowest arrears rates in the industry.

SA Home Loans Services

SA Home Loans is a responsible lender adhering to the best industry standards and to all regulations set by the National Credit Act of South Africa.

If you're struggling to afford your monthly repayments on your debt, debt consolidation could be a useful way out, avoiding actions such as repossessions.

Debt consolidation in a nutshell

A debt consolidation loan allows you to settle several different loans. Normally, one would consider a debt consolidation loan to roll all your smaller debt into one larger loan. Typically this reduces your monthly repayment allowing you to improve your cash flow. By the same token, it’s also important to secure a lower interest rate on the whole.

Debt consolidation allows you to start afresh. You do this by converting numerous obligations that you currently have into manageable monthly loan repayments. This could possibly allow saving on multiple charges, fees, services as well as debit order charges on several personal loans.

SA Home Loans – Consolidation loan

  • Loan Type Debt consolidation
  • Interest Rate from 7.25%
  • Repayment 30 years

Benefits of SA Home Loans

  • Get an affordability assessment
  • Affordable loan packages

We deliver an effective & reliable debt repayment solution, quickly

They take pride in offering the lowest rates on outstanding amounts in the entire market.

They don't only provide affordable debt consolidation loans. They make your repayment comfortable and easy. You can count on them for complete support with debt and loan management. With the sensible use of credit facilities, you'll go a long way and achieve everything you want and more.

SA Home Loans offers secured debt consolidation loans

You owe a large sum of money to lenders and your income is not sufficient to repay your loans and for covering your day-to-day expenses. SA Home Loans could be useful in the event of debt consolidation loans and could possibly be the right solution for you.

SA Home Loans is an independent property finance provider with a solid presence in the South African market and a good reputation among customers. They're well known for highly customisable home loans and debt consolidation solutions. You'll receive a professional service that's completely dedicated to you and your individual needs and requirements.

The collateral is your property

You'll have two main options - taking out a new home equity loan for repaying your existing unsecured debt or adding this debt to your outstanding bond amount. It all depends on the interest rate which you can secure with either one of the loans and on the repayment term.

In any case, the rate will be much lower than what you pay on personal loans and credit cards.

Your loan is tailored to suit your financial requirements

The main advantage of using the services of SA Home Loans is they offer a comprehensive solution that's perfectly tailored to your needs.

You'll work directly with one of their consultants who'll analyse your current situation and come up with the ideal loan for you. The interest rate and term will be set so that you can pay much smaller monthly instalments than your existing ones and so that the cost of borrowing remains reasonable.

You have to ensure that it matches your budget and plans. They adhere strictly to the responsible lending standards set by the National Credit Regulator and will offer a loan that's perfectly affordable to you.

Their online debt consolidation loans are highly beneficial as they're designed to meet your individual needs.

Documents relevant to the application:

  • Your recent bank statements
  • Your South African ID document/Smart card
  • Your last payslip

Customer Reviews & Testimonials

May 2019

Applying for the credit plan at SA Home Loans was fast, easy to understand and didn’t delay my financial deadline.

Farzana C
— Springs —

October 2018

Applying for a SA Home Loans credit plan was fast, easy and convenient.

Daniel P
— Fochville —

SA Home Loans Contact

Contact Number



Physical Address

  • North Wing / 1st Floor, Pineslopes Shopping Centre Cnr Sunset Boulevard &, Forest Rd, Fourways Johannesburg Gauteng 2055 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 16:30
  • Tuesday 08:00 – 16:30
  • Wednesday 08:00 – 16:30
  • Thursday 08:00 – 16:30
  • Friday 08:00 – 16:30
  • Saturday 08:30 – 12:30
  • Sunday – Closed