Home loans in South Africa
6 resultsGreat terms for buying a home
Data 5 institutions · Site updated 21.09.2026 · Redirecting to the bank's official site
AB
Absa BankMyHome Home Loan
PopularOn request
p.a.
Property type:Affordable housing, property value up to R2,500,000
RateOn request
AmountAmount on request
TermOn request
Depositfrom 0%
Property value capped at R2,500,000 — that’s not a loan-amount limitUp to 110% financing possible (covers transaction costs)Individual/joint income up to R34,800/month
CB
Capitec BankHome Loan (via SA Home Loans)
On request
p.a.
Property type:Residential property
RateOn request
AmountAmount on request
TermOn request
Capitec is the referral channel — SA Home Loans assesses and finances the loanUp to 50% off bond registration attorney feesNo published rate, amount or term
DB
Discovery BankHome Loan
On request
p.a.
Property type:Residential property
RateOn request
AmountAmount on request
Termup to 360 mo.
Prime-linked rate, discount up to 1% based on behaviour and linked productsUp to 3 joint applicantsNew-purchase bond registration & origination fees payable upfront
IV
Investec BankHome Loan / First-time Home Buyer
On request
p.a.
Property type:Residential property (Private Banking qualifying clients)
RateOn request
AmountAmount on request
Termup to 360 mo.
Depositfrom 0%
Private Banking qualifying clientsUp to 100% financing possible, subject to approvalTransaction costs may be included in the loan
ALB
Al Baraka BankHome Finance — purchase
On request
p.a.
Property type:Residential property (Islamic co-ownership structure)
RateOn request
AmountAmount on request
Termup to 360 mo.
Shariah-compliant Musharaka structure — not a conventional interest rateProfit/rental rate fixed for 12 months, reviewed annuallyNo monthly admin fee
ALB
Al Baraka BankHome Finance — refinance / bond switch
On request
p.a.
Property type:Residential property, switching an existing bond to an Islamic structure
RateOn request
AmountAmount on request
Termup to 240 mo.
Shariah-compliant Musharaka structureFinances up to 90% of property value; the remainder stays as your own equity share
CompareZA has 6 home loan programmes from South African banks. Updated: