Rating based on 14 reviews

SA Home Loans

  • Home Loans up to R500,000
  • 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 January 24, 2023]

About SA Home Loans

One of the main features of SA Home Loans that truly sets them apart from the large banks is that they deal only with home loans and have a massive team of staff who are specialists in the field.

In addition, their focus is on you and your needs and they will always approach your loan application with an open mind.

A fully comprehensive home loan service

Another thing that makes them unique is that they are able to assist their customers with everything from securing the finance and purchasing the home to registering the home in your name - if it's got something to do with property ownership then they're the go-to guys!

SA Home Loans Services

At SA Home Loans they offer 3 specific home loan products which include the variable home loan, the 30-year home loan and the edge home loan.

The variable home loan

This option is the most popular and offers you an interest rate that is tailored to your credit history. The maximum loan term is 20 years and you can get a personal loan 3 days after signing the agreement to refurbish your new home or use it as you like.

The 30 year home loan

This is a home loan with a loan term of 30 years and also offers an interest rate that matches your credit profile. This is ideal for those who wish to secure a lower monthly mortgage instalment.

SA Home Loans – Home loan

  • Loan Type Home Loans
  • Interest Rate 9.2510.4% p/a
  • Loan Amount up to R500,000
  • Repayment 24 months to 30 years

Benefits of SA Home Loans

  • Quick and easy home loan calculators
  • Choose between home loan options
  • First-time investment
  • Expert advice on how to manage bond repayments

Applying for a Home Loan with SA Home Loans

One of the things that they've become well known for over the years is their commitment to their customers.

They are an understanding credit provider that truly wants to make sure your dream of owning your own home becomes a reality.

Using their long list of resources

Buying a home is no small purchase - so you need to do all the research you can and ensure that you understand all the terms, conditions, features, costs fees and so on. To help you understand the home-buying process they have made a range of resources available on their website to help you.

You can use their loan calculators, go through their list of official links, find out everything you need to know about buying your first home and find out more about their products and services on their website.

The edge home loan

This home loan product is unique in the industry and allows customers to repay only the interest on their home loans for a period of up to 36 months after which the variable interest rate is then applied. At the end of the term, the entire loan is repaid.

How to apply for your home loan

With SA Home Loans they want to make the process of applying for a home loan as swift and simple as possible. They have a simple 3-step online application to help you make your real estate dreams come true.

  • The first step is to check your eligibility for a home loan and make sure you meet the home loan criteria.
  • The second step is to have a look at the financial qualification. This allows you to calculate what your loan instalment would be, as well as show you the fees you can expect to pay
  • The third step is to provide your personal details and complete the online application.

Once all three steps are finished you may submit your application along with your supporting documentation. The entire process should take approximately 10 - 15 minutes to complete. Should you require additional assistance, feel free to give them a call or submit a "call me back" request on their website, and one of their staff members will call you back and provide the assistance you require.

Customer Reviews & Testimonials

November 2018

My wife and I were very impressed with SA Home Loans, they provided decent service and offered us a 1% lower interest rate than any other institution we looked into. Very happy with the overall s...

Darren B
— Port Elizabeth —

March 2019

Very affordable fees and excellent interest rate offered. I was also very impressed by how fast my loan was approved

Yonda F
— Nelspruit —

April 2019

It was a very smooth and simple application and approval process. Competitive interest rates and very good loan terms offered. I would advise others to make use of SA Home Loans

Dal’Buzwe G
— East London —

SA Home Loans Contact

Contact Number



Physical Address

  • 2 Milkwood Crescent Milkwood Park Durban La Lucia Ridge 4051 South Africa
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Opening Hours

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