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For a smooth and stress-free experience, always verify SA Home Loans branch and consultant details here on our official website. Remember, we’ll never ask for any fees or monies to be paid upfront.
About us
We’re mortgage specialists with one purpose: helping more South Africans unlock ownership and everything it makes possible. Because a home is more than a place to live. It’s a foundation for greater security, freedom and confidence to own the life you want.
What makes us different?
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We’re not a bank. And that’s intentional.
We found an innovative way to provide home loans by connecting clients directly to money markets and passing the savings on to them. This allows us to stay flexible, approachable and focused on helping more South Africans unlock ownership and everything it makes possible. -
Home loans are everything to us.
We’re South Africa’s specialist mortgage provider. Home loans aren’t one product among many for us. They’re our specialty. We take the time to understand your circumstances and find the home finance solution that works for you. -
Clear from the start.
One of life’s biggest decisions doesn’t need more confusion. We keep things honest and transparent. No hidden charges or unpleasant surprises. Our specialists explain your options clearly and guide you through what comes next.
Our purpose
Helping more South Africans unlock ownership.
A home can create greater security, freedom and confidence in what comes next. Our purpose is to help more hardworking South Africans make that possibility real.
Our vision
To be South Africa’s most trusted home loan provider.
Trust is earned through clear guidance, specialist expertise and showing up when it matters. We put our clients first and work to make every step feel simpler, clearer and more personal.
Our offering
Home finance, built around real life.
No two people arrive at homeownership in exactly the same way. Whether you’re buying a home, switching your bond or accessing funds, our specialists take the time to understand your needs and guide you through the options. Come to us for personal support right from the start.
We offer competitive products and practical support to help you move forward with clarity and confidence.
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
Unlocking ownership since 1999.
SA Home Loans launched in February 1999, when interest rates in South Africa had reached 23.5%.
At a time when households were under pressure, we introduced a rate of 19.6%, giving consumers a compelling alternative and making home finance more accessible.
By 2001, competitors had begun reducing their rates too, creating a healthier, more competitive market that continues to benefit South African homebuyers.
That same year, we pioneered a new way of funding home loans by connecting clients directly to the capital markets.
Our funding model:
A different way to fund homeownership.
Traditionally, banks secure funding from wholesale money and capital markets, then lend it to homebuyers against a mortgage bond.
SA Home Loans introduced an alternative that connects borrowers more directly to those markets. This globally established funding method is called securitisation.
We have launched and serviced eleven Residential Mortgage-Backed Security structures, each independently assessed by rating agencies.
How does this help you?
Your property is registered in your name and legally belongs to you. The securitisation loan pools are held in a separate, ring-fenced legal entity that is insolvency remote. This means the funding structure does not change your ownership of the property or place your home at risk.
Our funding model may be different. But that feeling of closing the front door and knowing you’re home is exactly the same.
SA Home Loans. Own the life you want.
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
Colin Young
B.Com, B.Agric ManagementDirector: Loss Control and Managing Director: SAHL Life and Insurance
Rashnee Pawaar
B.Soc Sc (Hons) SW, Postgrad: Cert. Adv Management ProgDirector: Operations
Rejoice Kachipande
Bachelor of Arts (Wits), Executive MBA (HEC Paris)Director: HR
Sipho Reginald Dlamini
B.Com, Postgrad Cert Adv Taxation, MBADirector: Risk & Compliance
Jeanette Chuene
B. Com (Finance), Postgrad Diploma Investment ManagementDirector: Credit
Tom Stilwell
B.Soc.Sci (Hons), M.Soc.Sci (Econ), H.Dip TaxDirector: Client Solutions
Lee Adriaanse
B.Sc.Eng – Electronic Engineering, MBA, CISSPDirector: IT
AK Ismail
B.Bus.Sc (Hons), CA (SA)Director: DCM & Treasury