We’re mortgage specialists who offer home financing solutions tailored to your individual needs.
Changing Lives by making it possible for more South Africans to own their own homes.
To be SA’s most trusted home loan provider by putting our clients first and providing an amazing experience in their home ownership journey.
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.
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:
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.
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.
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 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.
Chief Executive Officer
Chief Operating Officer
Chief Financial Officer
Executive Director: Sales and Marketing
Director: Information Technology and Systems
Director: Loss Control and Insurance Operations
Director: HR and Learning & Development
Director: Risk & Compliance