You enjoy our interest rates based on JIBAR and not Prime, which are typically offered at less than the Prime lending rate.  Our affordable interest rates, initiation fees and service fees are competitive, transparent and fair.

2. Low Instalments

Your monthly installments can be flexible. That's right, if you choose the interest only option, you can pay less when you need to, by paying only the interest - and pay more when you want to reduce the balance.

3. Flexible

Flexible terms make a lot of sense - who says home loans need to be 20 years. Maybe you want more time - maybe less!  The average home loan in SA lasts for 5 years - we understand this stuff. Talk to us about your needs.

4. Quick Cash

The property market has boomed over the past few years and homeowners are sitting with equity in their property. At the same time they are paying high interest rates for home improvements, credit cards, car purchase, personal loans, etc.

By switching your home loan to SA Home Loans you can use your equity and lend yourself money at the lowest rate of interest. Be your own bank - it's smarter.

You can get your cash within 72 hours of signing your Letter of Acceptance when you switch - no waiting for Registration at the Deeds Office. 

Standard SA Home Loans terms and conditions apply.

5. One Stop

In addition to your loan, we can also provide you with a great value Home Owners Cover and Bond Protection Cover. All packaged in one easy payment along with your home loan repayment.

6. Something for nothing

Included with your home loan is access to our Amazing Service.  To take advantage of our value added services, get in touch with our client services helpdesk and tell us what you need or what you are unhappy about.

7. Easy

A loan from SA Home Loans is so smart and streamlined - you can apply over the phone or on our Web if that suits you.  On the other hand we have professional Consultants in Branches all over SA to run around after you and do all the paperwork. You don't have to visit us; we visit you at home or work.

8. Direct

SA Home Loans is not a Bank and is not a Mortgage Originator.  Our funding comes direct from large investors and we pass on the savings to home owners. No food chain to support - means more savings for you.

9. Fees!

Some may give you a discount on your rate and take it back in fees. Not us. We negotiate discounts on your conveyancing fees with attorneys on our panel. You'll be surprised at the difference it makes. You get to keep the money you save.

10. Safe

Are you safe getting a loan from a non-bank? Think about it - you've got our money!

Your home is registered in your name at the Deeds Office - so your security is exactly the same as with a bank.  On top of this, SA Home Loans have blue chip shareholders such as Standard Bank and JP Morgan. 100 000 home owners have made the decision to move to SA Home Loans.

11. And...Some Gold

With your loan comes the option of a SA Home Loans Gold Master Card, funded and serviced by Standard Bank.  With the ‘gold standard' home loan, you may as well have the card to go with it.

For a FREE Assessment - complete our no obligation, application/pre-approval form (In 48 hours we will e-mail or fax you a short preliminary in principle result if we will be able to assist you.)

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