Absa home loans

Our long-standing experience as a home loan provider means we can offer you not only home finance, but also guidance to help you make the best choice.

An Absa home loan offers you:

  • Flexible repayment terms of up to 30 years
  • Fixed or variable interest rate options
  • Up to 100% bond in certain cases
  • Register a higher bond amount with Future Bond and in time, when the property value has increased, take up further finance without the hassle of registering a further bond.
  • Immediate access to any extra payments you’ve made into your bond with FlexiReserve
  • The option to increase your existing loan up to the current market value of your property, with Further Advance
  • The option to increase your loan back to its original loan amount with Re Advance
  • Free membership to One Call Home Solution, with discounted home improvement products and services
  • Free eStatements
  • A free Absa will on acceptance of our quote (offer valid until 31 December 2015)
  • The ability to track your application online, from submission to registration
  • Professional guidance and help with buying your property
Our home loans at a glance

Whether you’re building or buying, renovating or renting, you can craft your home loan to suit your particular needs. For more detail, click on the home loan solutions below.

My primary need

I earn

Unique features

Home loan product

I would like finance to build a home Based on affordability (minimum monthly income of R3 501) Pay for completed work in stages

Your repayments only start 9 months after registration irrespective if the building is completed or not
Building Loan
I would like to buy a home but earn less than R20 001 A monthly income
< R20 001
Up to 100% home loan

Free, compulsory home loan training
MyHome Home Loan
I would like to buy a home and I earn R20 001 or more A monthly income of >= R20 001 Up to 30-year repayment term

Variable or fixed interest rates
Absa Home Loan
I am an Absa Private Bank customer looking for home finance A monthly income
> R62 500
Dedicated private banker

Flexibility and choice to structure your loan
Absa Private Banking Home Loan
I am an Absa customer selling and buying a new home A monthly income of >= R20 001 25% reduction on your NCA initiation fees

0.5% cash back on the value of your new home loan (max R6 000)
Loyalty Home Loan
I am a first-time home buyer and I don't have a deposit Based on affordability (minimum monthly income of R3 501) Ask a family member or friend to provide security through an Absa Fixed Deposit

Up to 100% loan

Absa covers 30% of the attorney bond costs (max R4 200)

50% reduction on your NCA initiation fees
Family Springboard
I want to invest in residential property to rent it out A monthly income of >= R20 001 For investment in rental property Buy-to-Let Home Loan
I am a foreigner and I want to buy residential property in South Africa A monthly income of >= R20 001 For international home loan customers International Mortgages
I want to use my pension fund to buy a home or to renovate my existing home A monthly income of >= R20 001 Use your pension or provident fund savings as security

No bond registration
Pension Powered Home Loan
Find a new home with the Absa Homeowner app Not relevant Download the Absa Homeowner app to your smartphone or iPad and make finding that perfect property a pleasure. Homeowner's app
Online Application
Complete a secure application form online

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