What is the maximum home loan available in South Africa?

You can qualify for up to 108% home loan financing, depending on eligibility and affordability.

Can I get a home loan near me as a first-time buyer?

Yes, first-time home buyers in South Africa can apply for home loans online or at their nearest branch.

A 108% home loan covers the full property price plus additional costs such as bond registration and transfer fees.

Individuals earning a stable income, including first-time buyers and joint applicants, may qualify for a home loan subject to credit approval.

Personal

Absa Online

Our secured services

Name: Home Loan South Africa
Brand: Absa

Get pre-qualified and shop with confidence knowing how much you can afford.

Get pre-qualified for a Home Loan today!

Get pre-qualified and shop with confidence knowing how much you can afford.

Calculate what you can afford.

Stand out as a prepared buyer with a pre-qualification certificate.

Do it all online, in just minutes.

Why pre-qualify?
To determine what you can afford.

We’ll give you a pre-qualification certificate to show sellers that you’re a serious buyer.

It’s quick, easy and free.
What happens next?
Show the seller your pre-qualification certificate and make an offer.

Once your offer is accepted, you can start the Home Loan application process.
What you’ll need
Income details

A list of debts and expenses

Proof of employment status.

The bank will use this information to determine whether you qualify for a Home Loan, how much you qualify for and what your monthly repayment might be.

Determine your affordability below – it’s fast and FREE!

Start the process with your co-applicant to be one step closer to your dream home.

Use our quick and easy calculator to get an estimate of your monthly home loan repayment.

What is pre-qualification?

Pre-qualification helps you to find out how much you can afford when buying a house. It’s the first step in your home-buying journey.
Why should I get pre-qualified?

A pre-qualification certificate shows sellers and agents that you’re a serious buyer, which makes your offer more attractive.
Is pre-qualification free?

Yes. Our Home Loan pre-qualification tool is completely free to use.
Can I pre-qualify together with someone else?

Absolutely. You can pre-qualify alone or with a co-applicant. It’s quick and simple.