Rating based on 57 reviews

SA Home Loans


  • SA's leading home loans
  • First-time investment
  • Repayment up to 30 years

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SA Home Loans homepage

Author SA Home Loans. Screenshot of SA Home Loans website. [Accessed August 31, 2021]

About SA Home Loans

SA Home Loans is a specialist in the provision and management of home loans. We focus entirely on house financing and have no other activities to distract us from our main goal which is to help South African citizens purchase their dream homes.

We are experts in what we do and will be there for you from start to finish. We are not your average home loan provider we are your one-stop home financing solution, we offer everything from home financing to homeownership and we will assist you with credit approvals and the registration process.

A fresh approach to home loans

We are currently South Africa’s 5th largest home loan provider and a trusted name by all our clients. We believe in taking a fresh approach to home loans and provide deals that meet your needs and your budget. Our consultants will handle your application with patience and integrity. Our aim is to get you the property you desire as quickly as possible.

We give back to the community and give our staff a unique opportunity to grow. Our organisation encourages teamwork and rewards professionalism.

SA Home Loans Services

There is nothing more satisfying than owning a home. At the same time, it can be challenging as well. We are specialists in the provision of home loan products designed to meet the house finance needs of South Africans from all different backgrounds.

No matter what kind of property you are looking for, we will provide the most affordable loan with a highly attractive interest rate and simple and straightforward repayment terms that are easy to follow.

Own your own home in an instant

We offer the fasters, most flexible home finance solutions in the market. As you are charged interest-only our solution is perfect to help you save money without having to compromise on what you are looking for. We offer cashback and full-term fixed interest mortgages. So why don’t you get the perfect finance and become a homeowner quickly without any hassle?

Everyone would love to be able to afford to purchase their own home however the prices in the South African housing sector are increasing at a faster rate than the income of the average household. As a result, this has caused many people to rely on home loans and home financing solutions.

SA Home Loans – Home loan

  • Loan Type Home loans
  • Repayment 20 years to 30 years

Benefits of SA Home Loans

  • Expert advice on how to manage bond repayments
  • Quick and easy home loan application
  • Variety of home loan options

With SA Home Loans you can get affordable home loans online

SA Home Loans is an independent home finance provider which has long term experience and expertise in helping South African citizens find their dream property.

Our company has been operating since 1999 and has a solid customer base that continues to grow each year. You can expect a highly dedicated service based on professionalism and integrity. One thing which makes us stand out as a lender is the provision of highly customised solutions that were designed to assist you no matter what your circumstances.

A leading service provider

We provide full assistance with the online loan application process, approval, origination and registration. We offer a comprehensive management service that is based on passion and service delivery excellence.

Our company was first established in 1999 and have since approved over 100,000 loans for residential property by giving thousands of clients there forever dream homes. Currently, we are the 5th largest home loan provider in the country. Our business continues to grow each year thanks to our happy homeowners and our excellent customer service.

Together with your consultant you will discuss your needs and draw up a loan solution that matches your needs and budget precisely. This is a great added benefit to our customers.

There are three types of home loans available.

The variable interest loans: The interest rate varies within a set range and this makes the monthly instalments variable. The term of the loan is 20 years and this is the standard option.

These interest-only loans give you the opportunity to make interest-only payments without repaying the principal amount during the term of the loan.

At the end of the term, you will need to settle the entire principal amount in one payment. This loan may seem more affordable but it is much riskier. This is because you won’t gain the property as equity and you will need to repay the principal in full at the end of the term, if you don’t you will lose your house.

Highly customisable - low rate loans

The Edge home loan allows you to make only interest payments for the first 3 years and then to switch to interest and principal payments for the next 20.

This is a favourable solution for those who expect their income to increase in the near future. No matter which type of loan you choose, the amount which you may borrow will depend on your income. If you want to buy a more expensive house, you may have to place a larger deposit. Our rates are highly competitive but they will vary depending on your creditworthiness.

Customer Reviews & Testimonials

February 2019

Applying for a loan at SA Home Loans was fast, easy and straight forward.

Mariette V
— Sasolburg —

February 2019

If you looking for affordable credit, SA Home Loans will always give you a credit advance that you can pay for.

Helen M
— Johannesburg —

SA Home Loans Contact

Physical Address

  • 2nd floor Pam Golding on Main, 325 Main street Kenilworth Cape Town 7700 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:30
  • Tuesday 08:00 – 17:30
  • Wednesday 08:00 – 17:30
  • Thursday 08:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed