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 December 12, 2022]

About SA Home Loans

Let SA Home Loans be your provider of choice for your first or new home loan in South Africa.

SA Home Loans is a specialist in the provision and management of home loans. They focus entirely on house financing and have no other activities to distract them from their main goal which is to help South African citizens obtain a home loan.

They are experts in what they do and will be there for you from start to finish. They are not your average home loan online provider. You can come to them for your one-stop home financing solution. They offer everything from home financing to homeownership and they will assist you with credit approvals and the registration process.

A fresh approach to home loans

They are currently South Africa’s 5th largest home loan provider and a trusted name by all their clients. They believe in taking a fresh approach to home loans and providing deals that meet your needs and your budget.

Their consultants will handle your application with patience and integrity. With them, you can get the property you desire as quickly as possible.

The go-to company for home loans online

SA Home Loans was established back in 1999 and has since then approved over 100,000 home loans for residential property by giving thousands of mortgage clients their forever dream home loans. Their business continues to grow each year due to their happy home loan clients and their excellent customer service.

SA Home Loans Services

One of your biggest and most satisfying achievements will be owning your own home.

At the same time, it can be one of the biggest challenges as well. SA Home Loans 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, they will provide the most affordable home loan in South Africa with a highly attractive interest rate. You can also enjoy simple and straightforward repayment terms that are easy to follow.

Get a home loan in an instant

SA Home Loans offer the fastest, most flexible home loan finance solutions in the market. Since you are charged interest-only on their home loans, it is the perfect solution to help you save money without having to compromise on what you are looking for.

Get affordable home loans online

SA Home Loans is an independent home loan finance provider which has long-term experience and expertise in helping South African citizens find their dream property. You can get the right solution on offer from them through their cashback or full-term fixed-interest mortgages.

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.

A helpful calculator

SA Home Loans has a helpful tool kit on its website to assist you with everything from checking affordability to repayments. According to the affordability calculator, you can purchase a home valued at R474,425 on an income of R15,000.

This loan comes with an interest rate of 9.75%, no deposit paid, and a 20-year repayment period. Thus, you’ll pay a monthly instalment of R4,500.

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

Discuss your needs and draw up a loan solution that matches your needs and budget precisely with a SA Home Loans consultant today.

Home loans with options 

Option 1 - Their variable interest home 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 home loan may seem more affordable but it could be much riskier as you won’t gain the property as equity and you will need to repay the principal in full at the end of the term.

Option 2 - Highly customizable low-rate home 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 what type of loan you choose, the amount that 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.
  • These rates are highly competitive but they will vary depending on your creditworthiness.

Some benefits of choosing SA Home Loans

  • A leading independent service provider.
  • They provide full assistance with the home loan online application process.
  • Get fast approvals.
  • They will supply the bond and do the registration of the property.
  • They offer a comprehensive management service based on passion and service delivery excellence.

Documentation needed for the application

When you apply for a home loan with SA Home Loans, make sure you have the following documents on hand:

  • South African ID document/Smart card
  • Bank statements reflecting your salary for the last three months
  • The last three months’ salary slips

Customer Reviews & Testimonials

February 2021

I have moved my home loan to them, they offer better interest rates at a more affordable premium.

Christelle W
— Mossel Bay —

February 2021

First time home buyer and they guided me with the best options and most affordable home loan.

Lerato M
— Johannesburg —

November 2021

Got pre-approved in no time at all. My wife and I got our dream home, they handled everything from start to finish.

Violet V
— Edenvale —

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