Start your home loan application now. It’s quick, seamless and makes owning a home much easier. The digital home loan application process also gives you access to ‘track’ the status of your application anywhere, anytime and from any device.

Who can apply?
card in hand
Individuals
Buying a home
Joint applicants

 

Buying a home
Legal entities

 

Apply for an Absa Home Loan

What you need to know

You can start an application for the following loans online:

Documents you will need

  • Full-time employed

    Standard
    • Offer to purchase
    • Identity document (SA ID / Foreign National Passport / Temporary Resident Permit)
    • 3 months bank statements

    Proof of income

    • 6 months’ pay slips (latest and consecutive)

    Newly appointed / No payslips

    • Employment contract

    Building loan

  • Self-employed/variable income

    Standard
    • Offer to purchase
    • Identity document (SA ID / Foreign National Passport / Temporary Resident Permit)
    • 3 months bank statements

    Proof of income

    • 6 months’ pay slips (latest and consecutive)

    Newly appointed / No payslips

    • Employment contract

    Building loan

  • Juristics/ legal entities

    Standard
    • Three (3) months personal bank statements – reflecting the income declared (Latest)
    • Three (3) months bank statements on the business account.

    Proof of income

    • 2 years consecutive financial statements signed by either a registered Auditor, Chartered Accountant or Accounting Officer
    • Unqualified letter from registered accountant / bookkeeper
    • IT34 (Exceptional circumstances)

    Building loan

  • Pensioners

    Standard
    • Three (3) months personal bank statements – reflecting the income declared (Latest)
    • Three (3) months bank statements on the business account.

    Proof of income

    • Proof of Pensioner status
    • Annuity statement or annual pension increase letter

    Building loan

  • Other income

    Rental (existing)
    • Signed Lease Agreement (latest)

    Maintenance

    • Divorce Decree / Divorce Agreement
    • If unmarried, a copy of the Maintenance Agreement

Apply for a home loan

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  1. Find your home
  2. Make an offer
  3. Once the seller accepts, start your home loan application online with us
  4. If we approve your application, you may get your offer online or a consultant will contact you within 72 hours with the outcome of your application (this offer is still subject to validation of documents and valuation of the property you wish to purchase)
  5. The property will be valued by one of our valuation experts
  6. Once the property has been valued, you will receive your final offer from us
  7. Once you accept the offer, the attorneys will be instructed to start the transfer of the property into your name and the registration of the bond.
  8. You will need to sign your transfer documents at the transfer attorney and be requested to pay the transfer duties and transfer fees.
  9. You will then need to sign your bond registration documents and pay your bond registration costs. Use our calculators to work out what your costs may be.
  10. The whole process can take up to 3 months (in some cases longer) after which you can start the move into your new home.

Documents you will need

  • Full-time employed

    Standard
    • Offer to purchase
    • Identity document (SA ID / Foreign National Passport / Temporary Resident Permit)
    • 3 months bank statements

    Proof of income

    • 6 months’ pay slips (latest and consecutive)

    Newly appointed / No payslips

    • Employment contract

    Building loan

  • Self-employed/variable income

    Standard
    • Offer to purchase
    • Identity document (SA ID / Foreign National Passport / Temporary Resident Permit)
    • 3 months bank statements

    Proof of income

    • 6 months’ pay slips (latest and consecutive)

    Newly appointed / No payslips

    • Employment contract

    Building loan

  • Juristics/ legal entities

    Standard
    • Three (3) months personal bank statements – reflecting the income declared (Latest)
    • Three (3) months bank statements on the business account.

    Proof of income

    • 2 years consecutive financial statements signed by either a registered Auditor, Chartered Accountant or Accounting Officer
    • Unqualified letter from registered accountant / bookkeeper
    • IT34 (Exceptional circumstances)

    Building loan

  • Pensioners

    Standard
    • Offer to purchase
    • Identity document (SA ID / Foreign National Passport / Temporary Resident Permit)
    • 3 months bank statements

    Proof of income

    • Proof of Pensioner status
    • Annuity statement or annual pension increase letter

    Building loan

  • Other income

    Rental (existing)
    • Signed Lease Agreement (latest)

    Maintenance

    • Divorce Decree / Divorce Agreement
    • If unmarried, a copy of the Maintenance Agreement

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Information you will need before applying:

  • If you are switching an existing home loan from another bank to Absa you will need to have the ‘estimated market value of your property’, ‘outstanding balance for your current home loan.
  • Gross and net income
  • Expenses including loan commitments and variable living expenses
  • Documents specific to your application. See below for guidelines.

Documents you will need

  • Full-time employed

    Standard
    • Offer to purchase
    • Identity document (SA ID / Foreign National Passport / Temporary Resident Permit)
    • 3 months bank statements

    Proof of income

    • 6 months’ pay slips (latest and consecutive)

    Newly appointed / No payslips

    • Employment contract

    Building loan

  • Self-employed/variable income

    Standard
    • Offer to purchase
    • Identity document (SA ID / Foreign National Passport / Temporary Resident Permit)
    • 3 months bank statements

    Proof of income

    • 6 months’ pay slips (latest and consecutive)

    Newly appointed / No payslips

    • Employment contract

    Building loan

  • Juristics/ legal entities

    Standard
    • Three (3) months personal bank statements – reflecting the income declared (Latest)
    • Three (3) months bank statements on the business account.

    Proof of income

    • 2 years consecutive financial statements signed by either a registered Auditor, Chartered Accountant or Accounting Officer
    • Unqualified letter from registered accountant / bookkeeper
    • IT34 (Exceptional circumstances)

    Building loan

  • Pensioners

    Standard
    • Three (3) months personal bank statements – reflecting the income declared (Latest)
    • Three (3) months bank statements on the business account.

    Proof of income

    • 2 years consecutive financial statements signed by either a registered Auditor, Chartered Accountant or Accounting Officer
    • Unqualified letter from registered accountant / bookkeeper
    • IT34 (Exceptional circumstances)

    Building loan

  • Other income

    Rental (existing)
    • Signed Lease Agreement (latest)

    Maintenance

    • Divorce Decree / Divorce Agreement
    • If unmarried, a copy of the Maintenance Agreement

Read more about buying a home

Buying a home
 Ultimate guide to buying your first home

 Buying a home can be a long, difficult process and scary too! But don’t let that put you off, we’ve put together a guide...

Tell me more

Buying a home
Understanding all your home buying costs

At Absa we aim to make buying your home as easy as possible. It’s a big purchase and too many buyers think...

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Buying a home
The first three months of home ownership

Congratulations on the purchase of your new home. Now that you’ve gone through all the important steps…

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Apply for a home loan online and get a free Uninterrupted Power Supply (UPS)*

  • You get a free Uninterrupted Power Supply (UPS)* device for your new home when you apply online and register your home loan with us.
  • We've also made it easy for you to apply for a home loan in under 15 minutes and track your application with ease.

Qualifying criteria for the offer

  • The home loan application must be submitted through the Absa Digital Sales Platform between 10 August 2021 and 31 January 2022.
  • The Absa Home Loan offer, in respect of that application, must be accepted by the applicant on or before 28 February 2022.
  • The UPS* offer is limited to the first 1 100 applicants that fulfil the requirements, subject to the terms and conditions of the campaign.

*Terms and Conditions apply.

Need more help?

Let one of our property experts call you back.

Call me back

Call us on:

0860 111 007

Email us:

Absa Property Hub: propertyhub@absa.co.za