• 1
    Eligiblity Assessment
  • 2
    Financial Qualification
  • 3
    Collect Details
  • 4
    Submit Application

Refinance Application

Use this application form if you already own a property which currently does not have a mortgage bond over it and you would like to raise funds by taking a new bond. Refinancing may allow access to the equity available in the value of the property.

  • Step 1: check your eligibility for a home loan.
  • Step 2: calculate what your repayments would be with SA Home Loans if you take Cash Out from the available equity.
  • Step 3: provide your personal details to complete the application.
  • This will take approximately 10 – 15 minutes to complete.
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Next
  • 1
    Eligiblity Assessment
  • 2
    Financial Qualification
  • 3
    Collect Details
  • 4
    Submit Application

Applicants On The Home Loan

Before you start, you need to decide who is going to be an applicant on the home loan and to have their information on hand.

  • If you are married in community of property, both spouses must be applicants on the home loan.
  • If you are married by traditional rites, then the law considers you married in community of property and both spouses will have to be applicants on the home loan. Should you wish to have only one spouse as an applicant on the loan, then the spouse who does not wish to be an applicant must give a letter of consent.
  • If you need the income of your partner/spouse or a family member living with you to make the loan affordable, then they must also be an applicant on the loan.
  • You cannot use someone’s income to show that you can afford the loan repayment if that person is not going to be an applicant on the home loan application.

How many applicants do you want to apply with?

please answer all questions to begin your application

tell us about your loan requirements

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qualification result

Home Loan Amount
Bond Registration Fee
SAHL Initiation Fee
Interest Rate
Loan Term
Loan to Value
Payment to Income
Monthly Costs
Loan Repayment
Service Fee
Total
Once-off Fees
Bond Registration Fees
SAHL Initiation Fee
Total
  Current Pricing: Potential Discounts:
Home Loan Amount
Interest Rate
Loan Term
Monthly Costs
Loan Repayment
Service Fee
Total
Once-off Fees
Bond Registration Fees
SAHL Initiation Fee
Total Once-off Fees
Total Interest Paid Over Term
In order to qualify for this discount you need to:
You qualify for additional discounts, click here to

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application summary

Loan Requirements

Loan Amount
Loan Term
Click the submit button below when you are ready to submit your application.

Applicants

You qualify for the following:

Home Loan Amount
Registration Fee
Initiation Fee
Interest Rate
Loan Term
Monthly Costs
Loan Repayment
Service Fee
Total

You will be liable for the following additional costs:

Initial Costs
Registration Fee
Initiation Fee
Total

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