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Absa Home Loan - structured around your needs

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.

Apply now

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

Make your home perfect

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

Free financial planning

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

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.

Consider Absa Homeowners Comprehensive Insurance to protect your home.

You can 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 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