With Absa Home Loans, you can finance up to 100% of your home. Our loans are designed to be flexible, allowing you to manage your repayments and even access extra funds. You have the choice between fixed or variable interest rates, and loan repayment terms of up to 30 years. Amendments are subject to Credit Lending approval.

Special offers for first-time home buyers:

First-time home buyers: If you earn less than R29 600 monthly, you could qualify for a home loan of up to 105% covering additional costs - as well as a free borrower education homeownership training course, and access to insurance and retirement plans.

Attorney discount: When you qualify for a MyHome or first-time homebuyer offering, you can receive 50% discount on your Absa panel attorney bond registration costs.

Interest rate concession: As a first-time buyer, you receive an additional -0,25%* concession on your variable interest rate when you open an Absa Cheque Account and continue paying the monthly debit order from the Absa Cheque Account.

Absa also recognises customer loyalty and rewards those who continue their home-buying journey with us. If you are selling your home financed by Absa and buying your next home with Absa, we will give you a reduction on your initiation fees and up to R6 000* cash back on the value of your home. This will be paid into an Absa account on registration, with access to even more benefits with a free will and great insurance and retirement plans. Interested?

Applying for a Home Loan with Absa is hassle-free. You can either fill out the convenient online application or reach out to our dedicated team on 0860 111 007.

Switching to Absa is seamless and cost-effective. We help you negotiate new repayment terms, potentially reducing your interest rate. Enjoy reduced bond registration fees and cancellation costs when you switch to us.

Special offer:

Great Escape: Switch a home loan of R500 000 or more and receive 50% discount on bond registration fees, plus up to R20 000 towards remaining registration fees. This limited offer is available until 30 June 2024.

Planning to build your dream home? An Absa Building Loan makes it possible. We provide you with a guide to help you determine your budget, find suitable land, find an architect or draftsman to draw up building plans and find an NHBRC-registered builder.

There are several documents that you will need to apply for a Building Loan.

Investors can benefit from our Buy To Let Home Loan product solution. You can finance up to 100% of your investment purchase, include existing and future rental income in your affordability calculations, and gain access to Absa’s Estate Planning and TPN Tenant Management tools. Additionally, Absa customers can enhance their property investment knowledge through the SA Property Investor Network (SAPIN).

Special offer:

Buy-To-Let: If you are buying a property to rent it out, we can offer up to 100% loan-to-value financing, optimised affordability by using existing and future rental income, tenant management solutions to assist you in vetting and managing tenants, a Business Evolve Account to manage your investment cashflow better, and an Absa Trust Needs Analysis to protect the legacy that you are building.

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