100% Home Loans

As part of our commitment to putting home ownership within reach for as many people as possible, SA Home Loans offers 100% home loans.

While there are many advantages to putting down a deposit on your home, in these tough economic conditions many first time buyers do not have the means to save for a deposit.
This option allows new home buyers to cover the full purchase price of the home, to be paid off over the term of the loan – usually 20 years.

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It’s important to note that there are additional once-off costs, not covered by the 100% bond, which new home buyers must cover. These costs are detailed in our Home Buyers Guide.

As required by the National Credit Act, all home loans are granted subject to the applicant’s affordability and credit status. This will determine the percentage loan one qualifies for as well as the interest rate offered. To find out if you qualify for a 100% bond, speak to one of our expert consultants for assistance – phone 0860 2 4 6 8 10 or have a consultant come to you by contacting your nearest branch.

Terms and conditions apply to all products. The availability of lending products is subject to our credit policy as amended from time to time.