Getting started

Step by step guide to getting a new home loan. If you are buying a new home, these are the steps that you will follow to qualify for a home loan from SA Home Loans.


1. Arm yourself with info

With our handy Repayment Calculator you can calculate the size of the home loan you could qualify for, and how much you can afford.

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2. Choose an application option

Apply online with your details and we will contact you once we get started with your application.
Or call our Sales Contact Centre on 0860 2 4 6 8 10 to discuss your home loan solution needs with one of our specialist consultants.  Call your closest branch - meet face to face with a specialist consultant to discuss your home loan requirements.

3. Send us your documentation

Send us the required documentation. This is important as we must have all your up-to-date information in order to process your application, so getting this together upfront will help speed up the approval process.

4. Credit Approval

Our credit team will now complete the credit assessment, using the supplied documentation as well as information obtained from a credit bureau regarding your current credit status. If this is all in order, you will receive notification of approval of your bond application. This approval is subject to the completion of the valuation. If there is a problem, you will be contacted by a consultant to discuss a possible solution.

5. Property valuation

An expert appraiser will arrange an appointment to value the property.

6. Evaluate & sign a Letter Of Acceptance (LOA)

Subject to the credit approval, we prepare a home loan proposal, called an LOA. This document details the costs, interest rate, indicative instalment and other important information for you to evaluate and sign.

7. Conveyancing

Our national panel of attorneys will prepare all the necessary bond registration documents and will make an appointment with you to sign them.

8. Lodgement

Lodging your bond registration is the next step and happens immediately after you sign your documentation at the attorney.

9. Await registration

Registration of your bond at the Deeds Office will take approximately 12 weeks.


Once your home loan is registered we will continue to provide you with personalised service and attention, to ensure that you get the most from your home loan throughout the life of your bond.

What  documentation is required for SA Citizens, SA Citizens living abroad & Foreign Nationals?

Call one of our specialist consultants to find out how we can help get you started.