SA Home Loans
SA Home Loans is a mortgage finance provider with no other interests to distract us from our dedicated purpose: to offer the best in every service associated with being a home loan provider. These services cover the full spectrum of home ownership and home financing – from origination and credit approval through to registration and ongoing loan servicing.
The company was launched to South African home owners in February 1999 and is today a proven entrepreneurial success story, having originated well over 100 000 residential loans in under a decade.
In these short years, against formidable competitors, we have grown to become the country’s fifth largest home loans provider.
Choosing a home loan provider is as important a decision as buying a home. It makes a big difference for a long time. That's why you'll want to make a choice that's going to suit your needs now and in the future. Select a product below to find out more. See how your home loan can change to accommodate your changing needs.
Variable Home Loan
Here are the benefits of a variable home loan:
•Interest rate is variable and is tailored to your risk profile.
•Flexible term up to 20 years.
•Switch to SA Home Loans and benefit from the Quick Cash option before registration: get up to R75 000 in cash within 72 hours (or up to R150 000 as soon as you’ve signed your bond documents) to use as you please.
•Access surplus funds on the value of your property, through a variety of further lending options after your home loan is established.
•Switch, free of charge and at any time, to our Interest Only product.
•In-house insurance options available: bond protection and home owner’s cover.
Interest Only Home Loans
Here are the benefits of an Interest Only home loan:
•Flexible instalments - pay only the interest every month, or a little more - you decide.
•Gives you the flexibility to adjust the home loan instalment to meet your cash flow needs.
•Reduce the interest paid on your loan with:◦Monthly instalments that includes capital, OR
◦once-off capital payments when you have funds available
•Choose to revert to a standard instalment, which includes capital repayment, when you wish to do so (switching to our standard home loan is free of charge).
•Full settlement is required at the end of the loan term.
•If you hold a Variable Home loan – you can switch to this Interest Only option free of charge.
•Access surplus funds on the value of your property, through a variety of further lending options after your home loan is established.
•Switch, free of charge and at any time, to the variable interest structure.
•Paperless and effortless in-house insurance options available: bond protection and home owner’s cover.
Edge Home Loans
Here are the benefits of an Edge home loan:
•Ideal for clients who want to buy 'up' now - knowing their income will grow to match their repayments.
•Pay the interest only for the first 36 months - the lowest instalment possible.
•At the end of 36 months, the loan reverts to a standard variable loan over 240 months, with all the same benefits and features.
•No capital payments at the end of the term - your home is fully paid off.
•You still have the flexibility of paying off capital in the first 3 years if you choose (for example, by fixed monthly debit order), reducing the capital balance and thereby saving you interest.
•Unique in the market - no other home loan product offers these features and low initial instalments.
•In-house insurance options available: bond protection and home owner’s cover.
How To Apply?
Apply online