Rating based on 40 reviews

SA Home Loans

  • Debt consolidation up to R600,000
  • Low-interest starting from 9%
  • Repayment up to 240 months

In-page navigation

SA Home Loans homepage
Author SA Home Loans. Screenshot of SA Home Loans website.
[Accessed May 13, 2018]

SA Home Loans -We have an innovative approach to finance

SA Home Loans is a mortgage finance provider with one desire only, and that is to offer the grandest of service at every opportunity when associated with being a home loan provider.

Our services cover all facets of homeownership and home financing – from origination of the bond and credit approval, right through to the signing up and ongoing service of the loan. We also allow customers to refinance their homes and use the equity in their home as a debt consolidation loan

Our mission – To provide a fresh approach to home loans

We aim to continue providing an original and innovative approach to home finance, by encouraging a movement of energy and innovation in the business that essentially filters through to our clients.

We strive to become the uncontested consumer champion in the industry, and with a bouquet of options at the disposal of our potential homeowners, we hope to fulfil their needs in a way that they feel they have been taken care of from price to service and delivery.

You will benefit from using us

At the core of our business, we strive to offer opportunities for growth to both our employees and investors alike. SA Home Loans promises to continue on the path for growth and enhancement of the brand. We hope to do this by ensuring professional services are offered with flair to all our clients, ultimately leaving them with a feeling of reward after having chosen us!

Transparency and care

One of the things we can offer with confidence when you deal with us is our complete transparency. You won’t be exposed to any sneaky surprise fees, no major concern is going to be disguised in the fine print, every query you have is disclosed openly.

Effective long-term debt solutions

Debt consolidation means applying for a loan that typically is cheaper than that of all your other debt instalments, with a better interest rate, to settle all of your other debts.

This drastically reduces the total interest payable on the debt, which means immediate savings already, just by doing the good deed of settling debt!

Let us help you choose the best option

SA Home Loans is an accredited financial institution, therefore we are able to guide you in the right direction regarding debt consolidation. Should you wish to refinance your home to consolidate your short-term debt, simply call in and have a chat with one of our friendly consultants about your options.

We offer products for your home loan needs. If you wish to find out more, just call in and query which solution would be the ideal one for you. We have variable home loans on offer, 30-year home loans and edge home loans.

Do you need emergency cash?

At SA Home loans, we also have a number of access products.  For those emergency moments when you need unexpected funds in a hurry, we have a quick cash product, the traditional personal loans, transfer assist and other lending products which you are welcome to inquire about at your leisure.

When it comes to borrowing money, one should always ensure that one is protected. Protection plans are important and we have a number of products that cater to this imperative need when borrowing. We have a CAP rate, Bond protection, and Home Owner’s Cover to ensure that you have protection against any circumstance that might lead you to be in a position where you’re unable to afford your repayment or to settle the bond at all.

SA Home Loans – Consolidation loan

  • Loan Type Debt consolidation
  • Interest Rate from 9%
  • Loan Amount up to R600,000
  • Repayment 6 months to 240 months

Benefits of SA Home Loans

  • Affordable loan packages
  • Get an affordability assessment

SA Home Loans teaches those in debt, how to refinance their homes

Everyone’s doing it, your brother did it, your friend did it, so why haven’t you done it?

Well, perhaps you have no idea what it involves, so let’s fix that by explaining exactly how it works.

What is home refinancing?

Home refinancing is, quite simply, one of the most convenient and effective means to gain access to funds, all the while reducing monthly expenditure and enhancing your financial position.

Mostly what consumers are after, is a way to save money and have access to disposable income that they don’t currently have. The best-proven way to date is to simplify your budget by cutting a massive expense. The one we’re referring to is no other than – your home loan!

When facilitated by experts in this division, home refinance can be the smartest move you make when it comes to your financial life as a homeowner.

If the main objective that you’re trying to accomplish is a lower monthly instalment, then this option is for you. Especially if you’ve owned your home for a minimum of 3 years, as you really see the benefit.

How Does Home Refinancing Work?

A typical expectation when it comes to property is that the value increases over time. So, it’s very likely that if you have owned your property for a good number of years already, the chances are that it’s worth more than the date you bought it. Refinancing your home means securing a new mortgage for your property based upon its current value, and not on the value of origination of the loan.

What do you have now? You have access to equity that you can use to improve the standard of living, help you consolidate your debt or alternatively strengthen your financial standing.

Why would I refinance my home?

For every individual, there is a different reason. A common reason, as already mentioned is that people wish to reduce their monthly expenses, thus looking for ways to cut costs. Refinancing your home at a lower rate could mean savings that equate to hundreds of rands each month, and that multiplied by the term of the bond, well, it’s a lot, ergo worthwhile.

Equity release could be a reason.  Some homeowners are happy to leave their equity untouched, while other might desperately need it! Why though? They could have tuition fees to pay or home renovations, but ultimately there are a number of reasons and it differs from person to person. Upon refinancing your home, you’ll gain access to equity at a competitive interest rate, which translates to obtaining the cash you need at an interest rate you can afford.

Lastly, those who find themselves in a tight spot financially tend to refinance their homes in order to consolidate debt. Debt consolidation allows consumers to combine all of their debts into one personal loan, and at a more attractive interest rate than they’re currently paying.  

Apply now to refinance your home with SA Home Loans

Don’t delay and start saving today! Contact us now to speak to our home refinancing experts, and let us secure the best deal on your new home loan. You can also complete an online loan application to access the equity in your home today.

Customer Reviews & Testimonials

April 2019

I couldn’t have asked for a more affordable loan with SA Home Loans. They exceeded all my expectations.

Malerato N
— Krugersdorp —

February 2019

SA Home Loans made sure that I get a loan that will not put too much financial pressure on my budget.

Peter K
— Bedworth Park —

December 2018

At first, I couldn’t believe the amount I would be saving with SA Home Loans, it unbelievable and meant more money for my pocket.

Phillip N
— Benoni —

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