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For over a decade, SA Home Loans has provided homebuyers in South Africa with the means to purchase real estate. While a home loan is seen as a necessary burden by many individuals, it can in fact be a useful tool. Not only can a home loan be used to buy your ideal home, it can also be used by avid investors who are keen to enter the property market.
As a leading home loan provider, SA Home Loans offers a wide range of flexible property finance products and competitive interest rates. One of our most popular home loan products is the Variable Home Loan – a definite favourite among real estate buyers in the know.
The Variable home loan is popular – beyond its competitive interest rate – it continues to gain favour because of the innovative optional extras it makes available to both new home loan applicants and established homeowners that wish to switch their home loans to SA Home Loans.
Continue reading to discover the benefits of the SA Home Loans Variable product and how it can be used to purchase your dream home or lucrative real estate investment. Alternatively, call 0860 2 4 6 8 10 to speak to one of our experienced property finance consultants about applying for a Variable home loan now.
The Variable home loan offers a standard variable interest rate that is tailored to your risk profile. It has a flexible term of up to 20 years, giving homeowners the opportunity to settle their debt early or borrow further.
Unlike a fixed-rate home loan, the interest rate on the Variable home loan is variable as the name suggests, which means it fluctuates – this is determined by changes in the Johannesburg InterBank Agreed Rate (JIBAR) that is reviewed quarterly on predefined reset dates – your rate may not necessarily increase or decrease on these dates, but will generally be in line with rate changes made by the South African Reserve Bank.
The continued popularity of our Variable product is partly owing to the speed at which homebuyers can access cash from the loan. Choosing our Quick Cash option gives you access to up to R75 000 within 72 hours (or up to R150 000 on signing your bond documents). This money can be used as you see fit: pay for your children’s education, renovate your home or get that big ticket purchase you’ve been eyeing. Our existing clients can also access surplus funds from their home loans via several further lending options.
SA Home Loans knows that your circumstances in life are likely to change during the course of your loan’s term, which is why we allow you to switch from the Variable product to any of our other loan products, including Interest Only home loan, Varifix home loan and Edge home loan, at no additional cost.
Use our home loan calculator now to find out what size home loan you can afford and contact your nearest SA Home Loans branch for more information on submitting a home loan application. Our property finance consultants are ready to provide you with all of the information you require regarding our range of products and packages.