What is a home loan?

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A home loan is the funds a buyer has to borrow from a bank or financial institution to purchase a property, generally secured by a registered mortgage to the bank over the property being purchased.

A home loan requires you to pledge your home as the lender's security for repayment of your loan.

The lender agrees to hold the title or deed to your property until you have paid back your loan plus interest.

Find out more about applying for a home loan

Home Loans Property News
Market & Opinion
Spotlight on booming St Francis Bay
08 Aug 2022
Property sales in St Francis Bay have rocketed in the past two years, and with supply exceeding demand by quite a margin, the average home sale price is now almost 60% ahead of the average for the previous 24 months.
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Featured Property
4 Properties in 4 cities- here is what you can buy for R2 million
03 Aug 2022
If you are looking for a property in the R2 million price range - we've got you covered! We take a look at what R2 million (and a little less) could get you in Johannesburg, Pretoria, Ballito, and Bloemfontein.
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Market & Opinion
Market insights - higher repo rate
22 Jul 2022
With the inflation outlook deteriorating since the previous Monetary Policy Committee meeting – with the headline inflation rate again breaching the upper limit of the 4-6% target for the second consecutive month at 7.4% in June 2022, it was inevitable that a decision would be taken to further increase the repo rate, the question was simply by how much.
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Market & Opinion
Home owners should prepare for rising interest rates
05 Jul 2022
The Monetary Policy Committee (MPC) is set to meet again later this month and all signs point to yet another interest rate hike, with some even predicting a bump of 75 basis points. Experts advise South Africans to prepare themselves ahead of the July meeting to avoid falling behind on debt repayments.
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