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.
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Choosing the right home loan is just as important as choosing the right property. A loan can be more than just a tool with which to purchase real estate - it can also work for you in other ways.
SA Home Loans knows that every homebuyer has their own set of home finance requirements. We also know that property buyers’ needs and financial circumstances are likely to change significantly over time. A house finance product that is suitable for you now may not be as efficient in five years’ time.
With over a decade of experience providing loans for home purchasing, we’ve grown to understand our clients’ differing needs intricately, and have developed a range of products and packages that meet these needs effectively. Whether you’re a first-time homebuyer or are purchasing your second or third property, we can provide you with home finance that will cater to your unique loan requirements.
Continue reading to discover more about SA Home Loans products and how they can meet your needs. Alternately, contact an experienced property finance consultant on 0860 2 4 6 8 10 regarding your unique home loan requirements.
Flexible home finance products coupled with amazing service Ever since SA Home Loans opened its doors in 1999, we’ve striven to provide our clients with products meeting their financial situations. We’ve developed bond products that are unique in the industry – some of which have set a benchmark followed by banks. Therefore, rest assured that with us, you’ll get the best home finance products available.
We offer three different product categories: home loan products, further lending products and risk management products.
This category comprises four distinct house loan products, each providing homebuyers with different benefits. The Variable Home Loan has a flexible term of 20 years and competitive home loan interest rates (using the standard variable interest rate system).
The Interest Only product requires you to pay just the interest on your loan, allowing you to pay the lowest possible monthly instalment, with the capital being paid off at the end of the term or in pre-payments at any time during the term of the loan. So each month you can choose to make a capital payment to reduce the amount of interest owed every month.
The Varifix house loan allows you to fix the interest rate on all or a portion of your loan, protecting you from interest-rate hikes.
An Edge home loan allows you to pay the lowest possible instalment (only the interest) for the first three years, after which the loan converts to a standard Variable home loan for the final 240 months.
In order to cater to your changing financial requirements, we allow you to change from one product to another at no additional cost as needed, ensuring that your home loan works hard for you throughout its full term and not just at the beginning.
Further lending products give you access to the equity in your property. SA Home Loans offers four further lending products: Quick Cash, Further Loan, Rapid Re-advance and Further Advance.
When applying for a home loan with us, the Quick Cash option gives you the ability to access up to R75 000 within 72 hours and the balance of up to R150 000 on the signing of your loan documents.
The Further Loan option is available to existing SA Home Loans clients who want to access the equity in their property, while our Rapid Re-advance product gives homeowners the ability to access any available funds of their home loan up to the originally approved amount.
The final product in this range is the Further Advance loan, which gives you access to funds that will take your total loan to higher than your agreement amount, but no higher than your original registered amount.
SA Home Loans understands that buying a house is accompanied by a certain amount of risk and offers several effective risk management products: Cap Rate, Bond Protection, and Home Owners Cover.
As its name suggests, SA Home Loans’ Cap Rate product places a ceiling on your loan’s interest rate, giving you the power to control your payments.
Our Bond Protection product is an insurance plan designed to help you keep your home should you be unable to make payments.
SA Home Loans Home Owners Cover protects against loss or damage to your property.
To make the home loan application process as simple as possible, we've placed an easy-to-use house loan calculator on our website for your convenience. Fill in the relevant details, including what size loan repayment you can afford, to find out what real estate you can afford.
Apply now via our house loan calculator or contact us on 0860 2 4 6 8 10 for more information.