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Absa Home Loan


An Absa Home Loan can be structure 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.
Apply now

Find your dream home
Find your dream home

Buy your dream home then choose a flexible repayment term of up to 30 years with 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
Get your perfect home

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

Manage my debt
Free financial planning 

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

Call me back

How to get it and what you can expect

  • What you get

    • Get up to 100% home loan.
    • 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.
    • Absa Homeowners Comprehensive Insurance to protect your home.
    • The ability to view your home loan balance and FlexiReserve amount on Absa Online
    • Free financial planning consultation to complement your home ownership decision (incl. will drafting).
    • Free eStatements.

    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 R23 300 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 R23 300
    • 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

Calculate affordabilityCompare our home loans

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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:

home@absa.co.za

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