Open the door that makes your dream a reality. Our home loan gives you finance that suits your needs, whether for a freestanding house, a flat, a townhouse or vacant land – we will help you with a loan. 

Apply now

Find your dream home
Find your dream home

Buy your dream home and choose a flexible repayment term of up to 30 years.

Choose what you can afford
Know what you can afford

Choose either a fixed or variable interest rate option to suit your budget.

Start applying now
Start your application

Speak to us to assist you in submitting your application, or apply online.

Apply now

Get your perfect home
Increase your home loan

Access the available equity in your home loan with a Further Advance or ReAdvance.

Manage my debt
Manage my debt

If your debt is taking control of your life, speak to us first, we will help you. 

Tell me more

How to get it and what you can expect

  • What you get

    • A home loan of up to 100% 
    • A choice of a variable or fixed interest rate
    • Get flexible repayment terms of up to 30 years – the term can be changed at any time at no cost.
    • Immediate access to any extra payments you’ve made into your bond with FlexiReserve
    • The ability to track your application online, from submission to registration
    • Free eStatements
    • We will provide a financial planning consultation with a qualified adviser, to consider the following for you: a Will, a life policy, retirement planning, and other options. Send an email to and an adviser will call you.

    Access to complementary value-added products

    Absa offers value-for-money with Homeowners Comprehensive insurance (HOC), Life cover and Absa idirect Short-Term Insurance products that provide the minimum cover requirements applicable to Absa Home Loans. 

  • Get more out

    • Pay a deposit up front, reduce your Home Loan and reduce your monthly repayments.
    • Pay extra every month into your home loan and reduce the interest cost.
    • Use ReAdvance and Further Advance, together with a Multiplan to access available equity in your home.
    • Register for Absa Cash Rewards.
    • Get electronic access to your home loan with Absa Online and Telephone Banking (if you have an Absa transactional account).
    • Absa Home Loan Protector Policy that pays off your home loan in the event of your death.

    For more information, you can download our brochure here.

  • What you will need

    • A single or joint gross monthly household income of more than R23 301
    • A valid, bar-coded South African identity document
    • An offer to purchase (if purchasing a property)
    • Your latest salary advice (or income statement if self-employed)
    • Provide consent to request three (3) months bank statement if banking with First National Bank (FNB), Nedbank or Standard Bank, otherwise provide three (3) months bank statement.
    • Load a debit order repayment instruction

Need more help?

Let one of our consultants help you get the best home loan for your needs.

Call us on:

0860 111 007

E-mail us at:

Visit your nearest branch