An Absa Home Loan can be structured to suit your individual financial and family needs. We finance all residential property, whether it’s a freestanding house, a flat, a townhouse or vacant land.

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Find your dream home
Find your dream home

Buy your dream home with a flexible repayment term of up to 30 years with an Absa Home Loan.

Choose what you can afford
Choose what you can afford

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

Get your perfect home
Make your home perfect

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

Manage my debt
Free financial planning 

We provide a free financial planning consultation with a qualified adviser.

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How to get it and what you can expect

  • What you get

    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. 


  • How it works

    • Have a bank account into which your monthly salary, of greater than R25 000 per month, is paid
    • 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 Rewards
    • Get electronic access to your home loan with Absa Online and Telephone Banking if you have an Absa transactional account

    For more information, read our Absa Home Loan Brochure

  • What you need to apply

    • A single or joint gross monthly household income of more than R25 000
    • 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 statements
    • 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

Email us at:

Visit your nearest branch