About Us | Mortgage Specialists | SA Home Loans

About us

We’re mortgage specialists who offer home financing solutions tailored to your individual needs.

What makes us different?

  • We're not a bank.
    We’re flexible, approachable and service orientated. We’ve pioneered a new way of providing home loans by linking you directly to the money markets and passing the savings on to you.
  • We’re risk-free, innovative mortgage specialists.
    We’re South Africa’s only specialist mortgage provider. It’s all we do. We work with you to find the best solution to your home financing needs.
  • Transparency and Care.
    We are completely honest and transparent in all our dealings. There is no fine print, no hidden charges, and no unpleasant surprises.
Our purpose

Changing Lives by making it possible for more South Africans to own their own homes.

Our vision

To be SA’s most trusted home loan provider by putting our clients first and providing an amazing experience in their home ownership journey.

Our offering

We are passionate home finance specialists that offer competitive products and an amazing experience to make it easier for our clients to achieve their home ownership goals.

Individualised, Amazing Service

We know that starting a loan, switching your bond, or accessing funds can be a challenge. We make it easy and our specialist consultants guide you every step of the way.

Our Amazing Service culture is rooted in the following values:

  • Clients come first
  • Caring and inclusive
  • Uncompromising integrity
  • Innovative professionals
  • Pursuit of excellence

SA Home Loans

history & funding model

The launch of SA Home Loans to the South African public in February 1999 came at the perfect time. Interest rates were at an all-time high of 23.5% at a time where saving money was top of mind for cash-strapped South Africans. True to our promise, we introduced a dramatically discounted rate of 19.6%, offering consumers a compelling alternative. This meant that more South Africans could have access to home finance. 

By 2001 competitors had begun to take SA Home Loans seriously, defending their shrinking market share by reducing their rates considerably. This created a healthy, competitive home loan financing environment from which buyers are still benefiting.

In 2001, SA Home Loans pioneered a new way of funding home financing in South Africa, by linking clients directly to the capital markets, find out more here.

Breaking property funding conventions

Historically banks have provided the majority of home loan finance in South Africa. They secure funding from the wholesale money and capital markets, which they lend to home buyers against the security of a mortgage bond. For the first time in South Africa an alternative method of funding was developed to bypass the banks and link borrowers directly to the capital markets. This approach is called "securitisation", a globally established way of funding mortgages.

SAHL has launched and serviced eleven Residential Mortgage Backed Security (“RMBS”) term funding structures, and the creditworthiness of each is fully evaluated by independent rating agencies.

No risk for Homeowners

Properties are registered in the client’s name and are therefore legally owned by the client. The securitisation loan pools are housed in a special purpose vehicle that is ring-fenced and insolvency remote – creating no risk for homeowners.


SA Home Loans company information

SA Home Loans has three shareholders: Standard Bank Group Limited (50%), the Public Investment Corporation (authorised representative of the Government Employees Pension Fund) (25%) and Bolatja Hlogo Consortium (25%), giving our home loans business significant credibility while ensuring our clients can have complete confidence in placing their mortgages with us.

Meet our management team

Rob Kelso

B.Com (Hons), CA (SA)

Chief Executive Officer

Zakheni Dlamini

B.Com (Hons), CA (SA)

Chief Operating Officer

Matthew Mutch

B.Com (Hons), CA (SA)

Chief Financial Officer

Crispin Swainston Harrison

B.Com, B.Compt (Hons), ACMA, CA (SA), PGDipM

Executive Director: Sales and Marketing

Guy Saville

B.Com (Hons), CA (SA)

Director: Information Technology and Systems

Colin Young

B.Com, B.Agric Management

Director: Loss Control and Insurance Operations

Rashnee Pawaar

B.Soc Sc

Director: Operations

Nandi Manentsa

B. Com (Hons) Industrial Psychology, MBA

Director: HR and Learning & Development

Sipho Reginald Dlamini

B.Com, Postgrad Cert Adv Taxation, MBA

Director: Risk & Compliance

Jeanette Sejamoholo

B. Com (Finance), Postgrad Diploma Investment Management

Director: Credit

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