SA Home Loans

image of SA Home Loans
image of SA Home Loans

About – SA Home Loans

SA Home Loans is a specialist in the provision and management of home loans. We focus entirely on house finance and have no other activities to distract us from our main goal which is to help South Africans purchase their dream home. We are experts in what we do and will be there for you from start to finish.

A Leading Service Provider

We provide full assistance with the loan application, approval, origination and registration. We offer a comprehensive management service. We have been operating since 1999 and have already originated over 100,000 loans for residential property finance. Currently, we are the fifth largest home loan provider in the country.

Services – SA Home Loans

There is nothing more satisfactory 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 different backgrounds. No matter what kind of property you are looking for, we will provide the most affordable loan with highly attractive interest rate and simple and straightforward repayment.

become a homeowner quickly

We offer the most flexible home finance solutions in the market. We are the leaders in interest only, cash back and full term fixed interest mortgages. Get the perfect finance and become a homeowner quickly and without hassle.


Summary of Services

  • Home Loans
  • House Buying
  • First-time Investment
  • Home Financing 
  • First-time Home Buyer


SA Home Loans Review - Can You Afford to Buy a Home with These Home Loans?

There is nothing more satisfactory than living in your own home, however, house prices in South Africa are increasing at a faster rate than the income of households. As a result, you need to use house finance. This SA Home Loans review will help you find out if the home loans of this lender are a good choice for you.

an independent home finance provider

SA Home Loans is an independent home finance provider with long term experience and expertise. The company has been operating since 1999 and has a solid customer base. You can expect a highly dedicated service based on professionalism. One thing which makes this lender stand out is the provision of highly customised solutions. You will work together with a consultant who will come up with a loan which matches your needs precisely. This is a great benefit to have.

There are three types of home loans available.

The variable interest loans are a classic option. The interest rate varies within a set range and this makes the monthly instalments variable as well. The term of the loan is 20 years and this is a standard option. The interest only loans give you the opportunity to make only interest payments without repaying the principal amount during the term of the loan. At the end of the term, you have to settle the whole principal amount in one payment. This loan may seem more affordable but, it is much riskier as you will not gain any equity in the property. Unless you can repay the principal in full at the end of the term, 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 people who expect their income to increase in the near future. No matter which type of loan you choose, the amount which you can borrow will depend on your income. Hence, if you want to buy a more expensive house, you may have to place a larger deposit. Another thing to note is that this lender offers competitive rates, but they will depend on your creditworthiness. This review finds the SA Home Loans to be beneficial, fairly affordable and highly customisable.

 Contact Details

2nd floor Pam Golding on Main, 325 Main street, Kenilworth, Cape Town, 7700, South Africa
Ph: 021 514 8222 / 031 560 5300
Fx: 031 562 0362
Em: [email protected]
Em: [email protected]

 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 –