What is an International Mortgages Home Loan?

An International Mortgages Home Loan is designed for non-South African citizens who want to invest in South African residential property, with support throughout the application and property acquisition process.

What are the benefits of an International Mortgages Home Loan?

Benefits include fixed or variable interest rate options, flexible repayment terms of up to 30 years, access to exchange control information, and support in managing your debt during your property investment journey.

How long is the repayment term?

The loan offers flexible repayment terms of up to 30 years, depending on your agreement and affordability.

Can I make additional payments on my home loan?

Yes, you can make additional deposits at any stage, which will immediately reduce your interest costs.

How does the International Mortgages Home Loan work?

A minimum 50% deposit is required. Monthly repayments are made via debit order, and interest is calculated daily on the outstanding balance and capitalised monthly.

What deposit is required for an International Mortgages Home Loan?

A minimum deposit of 50% is required in line with South African regulations.

What documents are required to apply?

You will need a 50% deposit, proof of income, proof of residence, a valid passport, residence permit, employment confirmation letter, a signed offer to purchase, and three months' bank statements.

Can I track my home loan application?

Yes, you can track your application online from submission through to registration.

Can I access my home loan account online?

Yes, you can manage your home loan via Absa Online Banking and Telephone Banking if you have an Absa transactional account.

Can I change my loan term?

Yes, the loan term can be adjusted at any time without additional cost, subject to affordability checks if repayments increase.

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Invest in SA with an International Mortgages Home Loan

If you’re a non-South African resident looking to invest in South African residential property, we can assist you. We are here to help you through the process until you find a suitable investment.

Get pre-qualified Apply now

If you’re a non-South African citizen looking to invest in South African residential property, we can assist you. We are here to help you through the process until you find a suitable investment.

Get pre-qualified Apply now

Here’s what you get

Flexible repayments

Up to 30 years to pay back your loan.

Expert guidance

Advice on property investment in SA.

Competitive rates

Individually tailored SA lending rates.

Buy or build

Buy a home or land to build a new one.

How to get it and what you can expect

What you get
Up to 30 years to pay back your loan.

Change your loan term at no additional cost (subject to affordability assessment).

Repayments are linked to Absa’s Mortgage lending rate.

The home loan is structured specifically for non-resident buyers investing in South African property.

Stay up to date with online tracking from submission to registration.
How it works
Apply for finance on an existing property or to build a new one.

Finance up to 50% of the property value.

Monthly repayments are made through a debit order from your South African transactional account.

Interest is calculated on your outstanding balance and applied monthly.
What you need to apply
Funds available for the required contribution (typically up to 50% of the purchase price)

Confirmation of income

Proof of residence

Your residence permit (if applicable)

Your passport

An employment confirmation letter

A signed offer to purchase

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 statement.