Rating based on 40 reviews

Just Money

  • Home Loans up to R250,000
  • Low-interest starting from 20%
  • Repayment up to 84 months

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Author Just Money. Screenshot of Just Money website.
[Accessed January 24, 2023]

About Just Money

Take it from a home loan broker that has been in the game for over ten years, home loans are not always as clear cut as they appear.

While organising your own finance can be empowering, they are more interested in ensuring South Africans are able to save money on the home loan option they have been offered.

They take the stress out of finance

There are no two thoughts about it – finance is stressful, particularly home loans. When you enter into a home loan agreement, you are effectively assigning a lifetime of debt to yourself. You want to make sure that you are able to secure the most affordable loan possible so that you can maximise your overall savings throughout the years.

This means that they are experts who know their way around the mortgage market and they can use their keen negotiation skills to arrange a home loan that is directly tailored to your individual needs – they do not believe in any ‘cut and paste’ loan deals!

This is their promise to you

You are not alone in this fight and they promise to be by your side from start to finish. Just Money is there to extend the helping hand or shoulder you need to keep you afloat throughout the process. Not only will they assist you in finding the best financial products and services, but they will also provide logical and coherent solutions to your financial problems.

You work hard to earn your money so they will work hard to ensure that you can keep as much of it as possible. You are a busy person, they get that, which is why they do all the legwork for you. All that you have to do is show up and sign the documentation!

Just Money Services

There are numerous different types of home loans all accommodating to a variety of financial circumstances and preferences.

Just Money is there to help you understand each option and determine which one is the best fit for you.

Before you complete an application

The largest influencing factor of a home loan is the interest rate. If you are quoted a high-interest rate, your monthly repayments will be high and vice versa. But there are ways to reduce the chances of being offered a high-interest rate – the most prominent option being that you get your credit score in order. A lower credit score is proportional to the interest rate you will receive.

Before you start looking to apply for home loans, get your credit sorted out, make all your repayments on time and eliminate some short-term loans or store card debt if possible.

Let’s talk about options

When applying for a home loan you will be offered three different options: fixed, variable, and capped rate home loans. Variable-rate home loans in South Africa do not have fixed rates, instead, the rate fluctuates according to the current prime rate. This means that your monthly repayments will not remain the same and will increase or decrease in conjunction with the fluctuations in the interest rate.

However, a fixed-rate home loan maintains the same rate throughout the lifetime of the home loan. Capped-rate home loans are somewhat a combination of the two wherein the interest rate is allowed to fluctuate but not above a certain threshold.

Just Money – Home loan

  • Loan Type Home Loans
  • Interest Rate from 20%
  • Loan Amount up to R250,000
  • Repayment 3 months to 84 months

Benefits of Just Money

  • Get a free credit report
  • Competitive interest rates
  • Trusted home loan products

Just Money – home loan advice you can trust

Now that you are aware of all the options, it is time to make a choice.

While you should not rush into a home loan without considering all your options it does not help to dally either. Send them a loan application and allow them to work their magic – you might be able to get the home you have been eyeing sooner than you think.

Complete that application

The Just Money application is simple and easy to follow. They are not trying to catch you out anywhere and want to hear from you as soon as possible. Just visit their website and click on the ‘apply’ button. From here all you need to do is follow the steps. Once they have assessed your application, one of their people will be in contact with you. You can apply with them for a home loan even with a bad credit score.

Documentation that you will need

When they are applying to various lenders on your behalf, there are particular documents that they will need to obtain the best loan possible. These documents include:

  • Certified copy of your South African ID
  • Proof of residence
  • Three month’s bank statements
  • Proof of employment/income

The decision is in your hands

Just because they have procured a number of home loan offers does not mean that you have to be satisfied with the offers that they have received. Under no circumstances are you obligated to agree to a deal that you are not happy with. Tell them to keep searching and they will do just that!

Customer Reviews & Testimonials

July 2019

With Just Money finance is never just about the money. They are dedicated to great service, committed to empowering South Africans financially and super friendly. Thank you for all the effort you...

Dominique A
— Bellville —

September 2019

Getting my home loan organized through Just Money was the best decision I have ever made. You should follow in my stead and do the same!

Sipho Z
— King Williams Town —

Just Money Contact

Contact Number


  • not available


Physical Address

  • 186 Loop St, Cape Town City Centre Cape Town Western Cape 8001 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 08:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed