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Employment Application

Introduction

We are always pleased to meet talented people interested in joining the SA Home Loans family!

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.

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Home Loan Products

Choosing a home loan provider is as important a decision as buying a home. It makes a big difference for a long time. That's why you'll want to make a choice that's going to suit your needs now and in the future. Select a product below to find out more. See how your home loan can change to accommodate your changing needs.

  • Variable Home Loan

    A home loan with competitive interest rates and innovative optional extras.

  • Interest Only Home Loan

    Minimise your monthly instalments, by repaying only the interest on your loan.

  • Varifix Home Loan

    Protect yourself against rate hikes by fixing all or a portion of your loan for 20 years.

  • Edge Home Loan

    Pay the lowest instalment - only the interest - for 3 years before reverting to a standard amortising loan, allowing you to afford the home you really want.

Variable Home Loan

Here are the benefits of a variable home loan:

  • Interest rate is variable and is tailored to your risk profile.
  • Flexible term up to 20 years.
  • Switch to SA Home Loans and benefit from the Quick Cash option before registration: get up to R75 000 in cash within 72 hours (or up to R150 000 as soon as you’ve signed your bond documents) to use as you please.
  • Access surplus funds on the value of your property, through a variety of further lending options after your home loan is established.
  • Switch, free of charge and at any time, to our Varifix or Interest Only products.
  • In-house insurance options available: bond protection and home owner’s cover.

Terms and conditions apply. All product options are subject to our credit policy as amended from time to time.

Interest Only

Here are the benefits of an Interest Only home loan:

  • Flexible instalments - pay only the interest every month, or a little more - you decide.
  • Gives you the flexibility to adjust the home loan instalment to meet your cash flow needs.
  • Reduce the interest paid on your loan with:
    • Monthly instalments that includes capital, OR
    • once-off capital payments when you have funds available
  • Choose to revert to a standard instalment, which includes capital repayment, when you wish to do so (switching to our standard home loan is free of charge).
  • Full settlement is required at the end of the loan term.
  • If you hold a Variable Home loan – you can switch to this Interest Only option free of charge.
  • Access surplus funds on the value of your property, through a variety of further lending options after your home loan is established.
  • Switch, free of charge and at any time, to another interest structure: fixed interest or variable interest.
  • Paperless and effortless in-house insurance options available: bond protection and home owner’s cover.

Terms and conditions apply. All product options are subject to our credit policy as amended from time to time.

Varifix

Here are the benefits of a Varifix home loan:

  • An interest rate that is fixed for 20 years so you have peace of mind that your interest rate will never increase.
  • Flexibility - you decide how much of your home loan to fix, at a fixed interest rate – you have the option to fix all, or only a portion, of your home loan.
  • A fixed interest rate that can still come down: Your rate is reviewed every 5 years, and if market rates have dropped, your fixed rate will re-set to a lower rate for a further 5 years, BUT if market rates subsequently rise, the fixed rate on your home loan will remain unchanged at the lowest level set.
  • The ability to revert at any time (with appropriate notice) back to a standard variable interest rate home loan.

Terms and conditions apply. All product options are subject to our credit policy as amended from time to time.

Edge

Here are the benefits of an Edge home loan:

  • Ideal for clients who want to buy 'up' now - knowing their income will grow to match their repayments.
  • Pay the interest only for the first 36 months - the lowest instalment possible.
  • At the end of 36 months, the loan reverts to a standard variable loan over 240 months, with all the same benefits and features.
  • No capital payments at the end of the term - your home is fully paid off.
  • You still have the flexibility of paying off capital in the first 3 years if you choose (for example, by fixed monthly debit order), reducing the capital balance and thereby saving you interest.
  • Unique in the market - no other home loan product offers these features and low initial instalments.
  • In-house insurance options available: bond protection and home owner’s cover.

Terms and conditions apply. All product options are subject to our credit policy as amended from time to time.

Apply now to get a home loan with SA Home Loans
Call 0860 2 4 6 8 10 and talk to a consultant who'll explain the options for you.
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