Buying a home is easier than you think

Everything you need to know about buying a home, or building a home, switching your home loan or buying to let is right here! Read our articles and get all the information you need.

What would you like to do?

Get even more with a home loan from us

Absa Home Loan

There’s a home loan for all your needs. Anyone can apply and all our home loans come standard with these great benefits.

Access to finance

You could get up to 100% finance on your home with an Absa Home Loan.

Flexibility

Easy online management of your home loan, repayments and access to extra money paid.

 

Choice

Choose between a fixed or variable interest rate. Change your term any time at no cost.

 

Qualify for even more discounts and benefits

All our home loans come with even more discounts and benefits. See what you could qualify for.

MyHome

If you earn:

  Monthly income of R25 400 or less (single or joint)

We will give you:

  • A home loan of up to 100%
  • 50% discount on bond registration fees
  • Zero initiation fee – you save R6 037.50
  • Access to great insurance and retirement plans
  • You may also qualify for a government housing subsidy programme - FLISP (Finance Linked Individual Subsidy Programme)

Tell me more

Young Professional

If you have:
NFQ Level 8 or higher and are under 35 years of age

We will give you:

  • A home loan of up to 105%
  • Option to pay no deposit*
  • 30% discount on bond registration fees
  • Access to great insurance and retirement plans.

 *Terms and conditions apply

Tell me more

Private Bank

If you have:
An Absa Private Banking account

We will give you:

  • A direct point of entry for all your Home Loan needs.
  • One-on-one specialised service.
  • The convenience you expect
  • Customised solutions to meet your needs.

Tell me more

Take our free MyHomeowner Journey

Absa Home Loan

Get prepared. Our Myhomeowner Journey is a free home buying course that will teach you everything you need to know about buying your first home.

 

 

Start your journey

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What insurance cover do you need as a homeowner?

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Are you eligible for a government subsidy on your home loan?

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Find your dream home right here
Looking for a property?

See thousands of available homes across South Africa with our Homeowners App or on PrivateProperty.co.za.

Download our app now

Bank-listed properties

We’ve highlighted a range of properties for you that are ready to sell fast.

View bank-listed properties

The quickest way to get your next home

Buying A Home

Our goal is simple: to  help you get the home you want. That's why we offer home loans that are quick, easy to apply for, and give you extra value. Anyone can apply and all our home loans come standard with great benefits.

Access to finance

You could get up to 100% finance on your home with an Absa Home Loan.

Flexibility

Easy online management of your home loan and repayments and access to extra money paid.

Choice

Choose between a fixed or variable interest rate. Change your term any time at no cost.

Get even more with a home loan from us

All our home loans come with great discounts and benefits. See what you could qualify for.

MyHome

If you earn:
Monthly income of R25 400 or less (single or joint)

We will give you:

  • A home loan of up to 100%
  • 50% discount on attorney and bond registration fees
  • Zero initiation fee – you save R6 037.5
  • Access to great insurance and retirement plans
  • You may also qualify for a government housing subsidy programme - FLISP (Finance Linked Individual Subsidy Programme)

Tell me more

Loyalty

If you are:
Selling your home financed by Absa and buying your next home with Absa

We will give you:

  • 25% reduction on your initiation fees
  • 0.5% cash back on the value of your home - up to R6 000 - paid into an Absa account on registration
  • Access to even more benefits with a free Will plus access to great insurance and retirement plans
  • No 90 - day penalty cancellation fees.

Tell me more

Buy-to-Let

If you are:
Buying a property to 
rent it out

You will be able to:

  • Use your existing rental leases you towards your affordability.
  • Factor in potential future rental income if you have two or more properties.
  • Give you access to discounted rates on TPN and Trafalgar services.
  • Give you access to Absa Law For You services on call whenever you need (packages up to R200 000 per year).
  • Offer financial planning experts to ensure you get the advice that every investor needs

Tell me more

Read more about buying a home

Get the most for your money when buying your next home. Our articles below could show you how.

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How to sell your home and buy another

There will come a time in your life when you may need to move depending on your needs and circumstances. You may...

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What you need to know about cancelling your bond

When the time comes to cancel your Bond, either because you have paid up your loan or you are planning on selling...

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All about your FlexiReserve

FlexiReserve is a facility that allows you to withdraw any extra money you’ve paid towards your home loan over...

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What insurance do you need as a homeowner?

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Find your next home right here

Looking for a property?

See thousands of available homes across South Africa with our Homeowners App or on PrivateProperty.co.za.

Get our HomeOwner app now

 

Bank-listed properties

We’ve highlighted a range of properties for you that are ready to sell fast.

View bank-listed properties

Switching is easy with us

Manage my home loan

We've made switching as simple as possible. Not only will we help you switch your home loan, we’ll even pay some of the costs!

 

Apply for an Absa Home Loan

Extend your term

Negotiate a new repayment term for your home loan to suit your plans and your pocket.

Reduce your rate

You could pay less for your home with a better interest rate.

Get more credit

You could access more of your home's equity when you need it at a potentially lower interest rate.

Reduced costs

We’ll give you a discount on, and contribute to, your bond registration fees.

Easy switching

We’ll help you every step of the way to make your switch simple, cost-effective and quick.

Even more benefits

You’ll get a free financial consultation as well as access to as great insurance and retirement plans.

Get even more with a home loan from us

Think long term! You could get lower interest rates, huge savings and more credit when you switch your home loan to us.

Great Escape

If you are:

Switching your home loan to us

We will give you:

  • Zero initiation fee - you save R6 037.50
  • 30% discount on attorney and bond registration fees
  • We will pay up to R30 000 of any remaining registration fees (depending on home loan amount)
  • Access to even more benefits with a free Will plus great insurance and retirement plans.

*Applies to home loans of R500 000 or more.

Tell me more

 

Read more about switching your home loan

Switching is easy, quick and worthwhile - find out all you need to know right here.

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Manage your home loan online

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Understanding fixed and variable interest rates

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What insurance do you need as a homeowner?

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Start building your dream home

Be the architect of your future with a building loan. Whether you already have land to build on or just a dream waiting to be made real, we can get you started!

 

Apply for an Absa Building Loan

Before you break ground

Planning is everything when building. Our step-by-step guide will show you what you need to do.

Decide how much you can spend

Find out what the maximum budget is that you can spend.

Calculate my affordability

Find your land

The kind of land you choose will affect the cost of your build and more.

Find land

Draw up building plans

Find a draftsman or architect to work with you to help design and make your dream house a reality.

Find the right builder

Your builder is the most important part of your project. Make sure your builder is registered with the NHBRC.

Get all your documents

There are several documents you will need in order to apply for a building loan.

See the list of documents

Apply for your loan

Ready to start building? Call us on 0860 111 007 or apply online now.

Apply now

Read more about building your home

Building a home can be exciting, but also complicated and expensive. Our articles will help you understand what you need to do and how to do it.

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 Buying or building, what’s best for you?

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All about building your own home

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How do progress payments work?

Progress payments are the payments you make towards the construction work on your new home. But what are progress...

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What insurance cover do you need as a homeowner?

It’s important to make sure that your most prized asset is protected. Unforeseen events can and do happen, but with the right...

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Find the land you've been looking for

Looking for a property?

See thousands of available homes across South Africa with our Homeowners App or on PrivateProperty.co.za.

Download our app on your mobile at

Bank-listed properties

We’ve highlighted a range of properties for you that are ready to sell fast.

View bank-listed properties

Get the home loan for residential property investors

137087591

Investing in a buy-to-let property could give you extra income and help you grow your wealth. Our home loan is designed with your financial goals in mind. Anyone can apply and all our home loans come standard with these great benefits.

Access to finance

You could get up to 100% finance on your home with an Absa Home Loan.

Flexibility

Easy online management of your home loan and access to any extra money with FlexiReserve.

Choice

Choose between a fixed or variable interest rate. Change your term any time at no cost.

Get even more with a home loan from us

All our home loans come with great discounts and benefits. See what you could qualify for.

Buy to Let

If you are:
Buying a property to rent it out

We will:

  • Use existing rental leases you have towards your affordability.
  • Factor in potential future rental income if you have two or more properties.
  • Give you access to TPN and Trafalgar services to assist you in managing and protecting your property investments.
  • Give you access to Absa Law For You legal services on call whenever you need (packages up to R200 000 per year).
  • Offer financial planning experts to ensure you get the advice that every investor needs.

Tell me more

Universal Package

If you want:
To consolidate multiple residential properties and other assets
We will give you:

  • A structured facility with multiple assets as security.
  • A dedicated Private or Wealth Banker.
  • Access to an on-going line of credit.
  • The choice to structure your account in a way that suits your needs.
  • Access to financial planning experts to ensure you get the advice every investor needs.
  • Access to great insurance and retirement plans.

Tell me more

Read more about buying investment property

Considering investing in property? The below articles contain information to help you decide.

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Buying to invest – what you need to know

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Tips for investing in property

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Cyril WONG SUN THIONG
Buying a second property as an investment

 Property can be a good investment. In the long-term property could increase in value and if it does, this is one way to..

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Paying more into your home loan

A little goes a long way, especially when it comes to your Home Loan. Paying a little more into your home loan…

Tell me more

Cyril WONG SUN THIONG
Manage your home loan online

Have you ever thought it would be easier if you could just manage your home loan yourself? Well, with our banking app…

Tell me more

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How deposits can make your home loan easier to afford

Buying a home is a long-term commitment but there are ways in which you can make your dream home more...

Tell me more

Find the land you've been looking for

Looking for a property?

See thousands of available homes across South Africa with our Homeowners App or on PrivateProperty.co.za.

Download our app on your mobile at

Bank-listed properties

We’ve highlighted a range of properties for you that are ready to sell fast.

View bank-listed properties

Need more help?

Let one of our property experts call you back.

Call me back

Call us on:

0860 111 007

Email us:

General account enquiries: home@absa.co.za

Home loan applications: propertyhub@absa.co.za

Battling to make home loan repayments: bondrs@absa.co.za

Homeowners comprehensive insurance: adminhoc@absa.co.za

Life insurance: polserv@absa.co.za

Visit your nearest branch