You can apply for pre-approval on our website. Once you submit your documents (like payslips and proof of employment), we will verify everything and let you know if you are eligible.
STAY ALERT, STAY SAFE!
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.
First Home, Real Talk: Why The Edge Home Loan Makes Financial Sense
Buying your first home is an exciting milestone but it can also feel overwhelming, especially when you’re balancing career goals, lifestyle priorities and the realities of managing your budget. At SA Home Loans, we understand that the early years of homeownership are often the toughest financially. That’s why we created the Edge Home Loan. Designed to give first-time buyers the breathing room they need to settle into property ownership with confidence.
What Is The Edge Home Loan?
The Edge Home Loan is a unique 23-year home loan that helps you ease into your repayment journey:
• For the first three years, you’ll only pay interest. This gives your the lowest possible instalments.
• After that, your loan automatically converts into a standard 20-year home loan, where you begin paying both capital and interest.
This smart structure is all about helping you take that first step into homeownership without overwhelming your finances.
Ready To Take The First Step?
Request to be contacted by one of our specialists, by submitting your contact details below.
How Edge Compares To Traditional Loans
Traditional home loans require you to pay back both capital and interest from day one which can seem like a stretch for many first-time buyers. Edge flips this script by easing you in with interest-only repayments, helping you stabilise your finances while enjoying the security of owning your home.
Can I Pay Extra During The First Three Years?
Yes, absolutely. While capital repayments aren’t required, you can make additional payments anytime during the first three years. These go straight towards your principal balance, which reduces your total interest over the life of the home loan. It’s the best of both worlds, flexibility now, with the option to get ahead if you’re able.