Rating based on 54 reviews

SA Home Loans

  • Leading home loans
  • Low-interest starting from 9.25%
  • Repayment up to 30 years

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

SA Home Loans - Lets us help you finance your dream home

SA Home loans is a mortgage finance provider our unique service offers only home loans, this is to ensure that there are no other distractions letting us concentrate on providing you with the best service possible.

Our company was started in 1999 and has helped over 100 000 clients to obtain their dream residential homes with a home loan through us. We offer home financing, credit approval assistance, registration assistance and ongoing loan servicing.

Our mission  

Our mission is to provide you with the best property financing and to become the uncontested consumer champion in credit services in South Africa. We plan to do this with our wide range of competitively prices, products that relate to home buying. We promise to do this with great integrity and excellent customer service.

We strive to assist our employees in growing by giving them opportunities for growth and helping them develop. We aim to ensure that our investors and shareholders feel secure and get consistent returns.

We aim to continue to grow and develop our distinctive brand of property financing through teamwork and individual accountability.

We put you the client first  

We understand that you are the whole reason that we are in business and always try to put your needs first. We believe that our clients are our partners and our key focus is on the following:

  • We care and will make sure to take each client’s individual needs into account
  • We are passionate about service excellence and integrity
  • We pride ourselves on following up and after sales service
  • We ensure that your home loan is working for you and meets your lifestyle needs.
  • We treat all our deals with transparency
  • We guarantee no hidden fees or charges.

Flexible home loan options

We offer a number of different home loan options including the standard version home loan.

In South Africa most home loans have a 20-year term, however, there is now also a 30-year bond term available making it even easier to find the home of your dreams. A longer repayment term will help you manage your cash flow better. A 30-year term will carry a lower interest rate.

Variable home loan

A variable home loan offers our clients a loan with competitive interest rates and innovative optional extras. This product offers the following benefits:

  • An interest rate that is designed to suit your specific risk profile
  • Flexible terms of up to 20 years
  • If you switch to SA Home Loans you can benefit from our quick cash option and get up to R75 000 in cash within 72 hours or up to R150 000 as soon as you’ve signed your bond documents. You will be able to use this money however you wish
  • Once your home loan is finalized you will have access to the excess funds through a variety of further lending options.
  • We offer in-house insurance products including bond protection and home owners cover.

30 year home loan

Our 30 year mortgage helps you minimize your monthly instalments by lowering your interest rate, this helps you to increase your cash flow and enhances your affordability.

The benefits of choosing this option are as follows:

  • A unique term of 30 years
  • Your interest rate is variable and made to suit your specific risk profile
  • This product in for clients purchasing a new home
  • You must be at least 45 years old to borrow
  • We have in-house insurance available

SA Home Loans – Home loan

  • Loan Type Home loans
  • Interest Rate 9.2510.25% p/a
  • Repayment 5 years to 30 years

Benefits of SA Home Loans

  • HOME Loans

SA Home Loans - Our specialist products with help you get the money you need

Edge is a unique product that is offered exclusively to SA Home loan clients this is a 30-year term loan.

This amazing product allows clients to only pay the interest rate for the first 3 years, this assists buyers by providing them with a lower instalment for the first few years and then it reverts back to the standard home loan where interest is included for the remaining 20 years

What are the benefits of Edge?

This product is perfect for clients that want to buy up – they know that their income will increase to match their repayments and use our product to help them to achieve that goal.

The benefits of using edge are as follows:

  • You only pay interest for the first 36 months at the lowest instalment possible
  • After 36 months the loan reverts back to the standard loan option for the next 240 months
  • There are no capital payments at the end of your term and your home will be paid off in full
  • We provide the flexibility of paying off capital in the first 3 years by using a fixed monthly debit order reducing the capital balance and thereby saving you money on interest.
  • This product is completely unique – no other supplier offers a product with these features and low instalments
  • We have in-house insurance options for you that cover bond protection and home owners cover.

Do you need quick cash?

Our quick cash option allows you to switch your existing home loan to a home loan from us. Once you switch you could get cold hard cash in as little as 72 hours after your online loan application has been approved.

The other benefits that you could unlock include:

  • Get a personal loan of up to R75 000 in cash within 72 hours
  • Get up to R150 000 as soon as you sign your bond
  • Immediate access to some of your additional equity
  • Use the cash however you please
  • Instant bridging finance at a competitive interest rate

Special home loan offers

We also offer other unique special offers such as:

  • Affordable housing packages
  • 100% home loans
  • Government employees housing schemes (GEHS)
  • GEHS mortgage loans

Contact us

Contact us today to find out how we can assist you in making your dreams come true.

Call : 031 560 5300 or 0861 888 777 or e-mail us on [email protected]

Customer Reviews & Testimonials

January 2019

Thanks to the nifty online calculator on SA Homeloans website I was able to calculate the exact amount of funding I required to purchase my new home while maximizing my repayments to save as much...

Thabo D
— Mthatha —

December 2018

The game is definitely in the name with SA Home Loans. They focus primarily on providing fellow South Africans with home loans meaning that other financial options cannot be a distraction to them...

Priyanka K
— Durban —

November 2018

At SA Home Loans their customer is definitely the center of their operations. They always take the customer’s needs into account and provide the best possible service. I feel well taken care of a...

Tarang P
— Vereeniging —

April 2019

Their home loan options are definitely flexible and versatile. No matter what your needs and preferences are they will do their best to accommodate your needs.

Jodi 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