Rating based on 64 reviews



  • Home loans up to R125,000,000
  • Low-interest starting from 7.25%
  • Repayment up to 30 years

In-page navigation

Ooba homepage

Author Ooba. Screenshot of Ooba website. [Accessed August 31, 2021]

About Ooba

Ooba is the leading bond originator in South Africa offering top quality products and fully dedicated service. We provide both house finance and appropriate insurance to give you perfect peace of mind.

Our comprehensive solution includes oobabond and oobainsure. We take care of the bond application process and will negotiate the best deal on your behalf. Our company is different because we want to empower South African citizens to own their own property, we teach you by helping you gain knowledge and assist you in making an informed decision.

Affordable home loans

Our relationship with leading banks such as Nedbank, ABSA, Standard Bank, FNB, HIP, RMB, Investec and Mercantile Bank allows us to bring you the lowest interest rates and the best terms and conditions. Our aim is to empower you the client we do this by offering affordability tools that assist you with finding out how much you can afford to spend. This process will result in a pre-qualification certificate that lets you know exactly how much you may borrow and shows home sellers that you are a serious buyer.

Ooba Services

Ooba is the home loan expert of choice for South Africans. We offer the most reliable expertise and the best products to suit your needs at any given time.

We help you prequalify for housing finance which will give you greater confidence when you go searching for the ideal property.

Personalised and friendly customer service

We will submit your application for a new bond and help you negotiate the most competitive and affordable mortgage. Our consultants offer full assistance with second mortgage applications.

Use your existing home as equity and save money by paying lower rates. Our personalised and friendly customer service makes us a popular choice. While our high-speed approval rate and expert advice are great benefits we offer.

Ooba is the home loan expert of choice for South Africans. We offer the most reliable expertise and the best products to suit your needs at any given time. We help you prequalify for housing finance which will give you greater confidence when you go searching for the ideal property.

Ooba – Home loan

  • Loan Type Home loans
  • Interest Rate from 7.25%
  • Loan Amount up to R125,000,000
  • Repayment 5 years to 30 years

Benefits of Ooba

  • Online application
  • Check your credit score
  • Multiple quotes for quick comparisons

Ooba Home Loans will help you buy your dream home

The average home buyer in South Africa needs to use a mortgage loan to finance the purchase of their own home.

Such products are available from many lenders so you have to weigh your options extremely carefully. This Ooba home loans review will evaluate the quality of these credit products and help you determine their usefulness.

Our service is completely free

We work with all top lenders in the country so success is guaranteed. With oobainsure you can cover both your mortgage and your newly purchased property fully at an affordable price. You are guaranteed to get the best quality customer service in our offices, on our website and via our call centre. Our service secures you multiple quotes so that you have a choice and can make an informed decision.

A solid presence in the market

Ooba is an authorised provider of financial services in South Africa. Formerly known as MortgageSA, our company has a solid presence in the market and enjoys a good reputation among home buyers and lenders alike.

We offer professional service which is based entirely on your needs and requirements. The consultant that you work with will do their best to match you to the right loan. Our loans have helped hundreds of thousands of clients move into their dream homes. Our company continues to grow from strength to strength due to our excellent results.

The choice is yours

The diversity of the Ooba home loans is great as we have partnered with all the leading banks to allow you options. We work with a large number of lenders who offer all kinds of home loan products from the classic variable rate loans to the ones with interest-only payments.

This great variety gives you a very high chance of obtaining the most favourable deal for you in terms of principal, interest rate and repayment.

Securing superb deals

Basically, the consultant will do comparison shopping on your behalf. This will save you time and effort. You will most certainly save money since you will get a superb deal. Just keep in mind that you will get the best results when you have a sufficient deposit and the ability to pay the registration costs.

Similarly, when you improve your credit history you will secure lower interest rates.

Find the right home loan

The Ooba consultant will not only find the right home loan for you. Our professional consultant will negotiate even better terms and conditions on your behalf. You will have a much higher chance of approval even if you have a less than perfect credit record. This is highly beneficial professional assistance which any home buyer will benefit from.

This will make the house buying process easier and quicker. The verdict of this review is that the Ooba home loans can be highly beneficial to South African home buyers when they are chosen carefully.

Customer Reviews & Testimonials

March 2019

Ooba is the reason why I own a home today. Thank you for giving me such a great credit deal on my home!

Valerie J
— Parys —

March 2019

Applying for the Ooba home loan was fast, easy and convenient. Within ten minutes, I was done completing the online loan application.

Nythel K
— Carletonville —

Ooba Contact

Contact Number



Physical Address

  • 33 Bree St, Cape Town City Centre Cape Town Western Cape 8000 South Africa
  • Get Directions

Postal Address

  • PO Box 1535, Cape Town, 8000, South Africa

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed