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Get more than just a house as a first time home buyer!

With a loan of up to 108%, you get a house and extra cash! Plus, 50% off registration fees and more on your first home.

Apply now Call me back

Adding more to your smart payment solution

Call me back Apply now

Get a home loan that gives you more than just a house!

With a loan of up to 108%, you get a house and extra cash! Plus, 50% off registration fees and more on your first home.

Call me back Apply now

Borrow /
A home /

A home loan made for you

Up to 108% home loan

Cover additional costs with the extra money from your home loan.

Discounted fees

Get 50% off your Absa Panel Attorney Bond Registration fees.

Absa Insurance

Protect your family, property and belongings with Absa insurance products.

What you need to know

What you need to apply

How it works
You could also qualify for up to 0.50% interest rate concession; **

New Home Loan applicants, who don’t have an Absa Cheque or Savings Account, are eligible to receive either of the following rate concessions:

0.35% on their variable interest rate, if you open an Absa Cheque Account and deposit a minimum amount of R3 000 per month (into the Gold Value Bundle, Premium Banking or Ultimate Banking Account) or

0.50% on their variable interest rate, if you open an Absa Private Banking Account and deposit a minimum of R35 000 per month into the Private Banking Account.

Pay your Home loan Monthly Debit order from this account, and

Keep your Home Loan account up to date and not default under this agreement

Calculate affordability

Terms and Conditions
What you need to apply
You need the offer to purchase (OTP) with the following details:

Seller and purchaser details

Correct property description

The full OTP (signed by the seller, purchaser and witnesses) can be obtained at the attorneys to validate the purchase price and contact details of the seller 

Copies of:

ID/passport, permit, refugee ID or maroon ID for each participant

Marriage or divorce certificate (if the surname on the ID differs to surname on the application)

Proof of residence

Latest payslip (only one required for salaried individuals)

Three months’ bank statements showing the latest three salary deposits

Absa customers can get bank statements internally for commission, overtime earned, subsistence allowance, shift allowance or travel claims. Consecutive payslips for 6 months to be provided.

Please note, the originals of the documents listed above will be verified by our attorneys.

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