Fill in your Income and Loan details to find out what value of Home you can afford to buy. This Affordability Calculator will allow you to apply for a Home Loan with SA Home Loans.
Need Help? Fill in your contact details and one of our helpful consultants will contact you shortly.
To be considered for a position with SA Home Loans, please fill in the information required on the following pages, provide us with details on your previous employment, and submit your application.
Our highly experienced personnel will assess your application and contact you should further information be required.
Please note: The information supplied will be used strictly for recruitment purposes and is subject to our Privacy Statement.
Taking out a home loan is a huge expense that can affect your budget for up to 20 years – the standard term of a home loan in South Africa. The monthly payments can significantly reduce your disposable income, which can be a hassle should you require money unexpectedly.
With over a decade of experience, SA Home Loans understands the needs of homeowners in the South African market and therefore offers a wide range of flexible home loan products, including the Interest Only home loan. This industry-leading product only requires you to pay the interest on your home loan each month – the lowest possible instalment. This simply means that you have the choice to contribute as much or as little as you want over and above the interest only instalment. This amazing product allows you to be in control and gives you the freedom to make larger repayments into your home loan when you have better cash flow and pay only the interest during months when your expenses are larger than usual.
SA Home Loans has knowledgeable property finance consultants who are experts at matching homebuyers to loans. They will ensure that your unique home loan needs are met. Call SA Home Loans now on 0860 2 4 6 8 10 for more information on our Interest Only product.
Because property is such an expensive asset, most South Africans need to take out a loan to cover the costs of financing their property. The price of residential property, initiation fees, registration fees and transfer duty can quickly add up, and often casts a daunting shadow over your need to take out a home loan. SA Home Loans’ Interest Only product can make your home loan work for you.
Fluctuating expenses that arise from changes in your life can make budgeting very difficult for homeowners’ throughout the term of their home loan; perhaps you want to renovate your home or be able to finance your children’s education with ease. The Interest Only product allows you to pay either only the interest in months when your expenses are putting a strain on your budget or higher repayments in the months that you have surplus.
For instance, should you receive a raise at work, a good end-of-year bonus or money from an inheritance; you can increase your monthly repayments or make a lump sum prepayment which will reduce the outstanding capital and interest on your home loan so that you can enjoy living life comfortably.
The Interest Only home loan gives you the flexibility to adjust your capital instalment to meet your current financial requirements, full settlement is required at the end of the loan term.
SA Home Loans prides itself in offering amazing service and having the ability to be flexible in order to meet our valued clients changing needs which is why we give you the option to opt out of our Interest Only product to our Variable Home Loan product (and vice versa) free of charge. We also offer a number of further lending options once your loan has been approved.
Use our convenient affordability calculator to find out what size home loan you can afford. Submit your next home loan application to SA Home Loans and let us help you purchase your home.