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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

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

Start applying now

Apply now and enjoy more benefits tailored for your needs.

Apply now

Get your perfect home

As your home’s market value increases, access the available equity with a Further Advance or ReAdvance.

Manage my debt

Let’s help you during these tough economic times, and advice on how to effectively manage your debt.

Tell me more

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 Flexi Reserve

The ability to track your application online, from submission to registration

Absa Home Owners Comprehensive Insurance to protect your home

Free Absa Will available to you on the acceptance of your Home Loan quote.

Free eStatements
How it works
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

Absa Home Loan Protector Policy pays off your home loan in the event of your death

For more information, you can download our brochure here.
What you need to apply
A single or joint gross monthly household income of less than R22 001

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