Compare home loans and apply to every bank at once
Leave your number and a home loan consultant does the running around: one application to the banks that suit you, and their offers side by side.
- Free: the bank pays the consultant
- No obligation to take an offer
- Three questions, under a minute
Step 1 of 3
Thanks, there.
A home loan consultant will phone you on . Keep these handy for the call, it makes the application quicker:
Have these ready
- Your ID
- Your last three payslips (self-employed: two years of financial statements)
- Your last three months of bank statements
- The offer to purchase, if you've signed one already
- Free to useBanks pay the consultant when your loan registers. You pay nothing for the help.
- Several banks, one applicationYour consultant applies to the lenders that suit you at the same time.
- Your details stay privateUsed for your home loan and nothing else, under POPIA. Deleted when you ask.
- Facts with sourcesEvery rate, fee and bank feature links to where it comes from.
How it works
You do one application. The consultant handles the banks.
Leave your number
Three short questions here. That's all it takes to start, and it costs nothing.
A consultant phones you
They go through what you earn, what you're buying and what you can afford, and tell you which documents to send.
One application, several banks
The consultant sends your application to the banks that suit you. You don't fill in each bank's forms yourself.
You choose the offer
Banks that approve you send an offer. You compare the rates and pick one, or none.
Compare the banks that lend for homes
What each lender publishes about its home loans. Rates aren't listed: every bank prices each person separately, which is exactly why it pays to apply to more than one.
| Lender | Lends up to | Longest term | Worth knowing |
|---|---|---|---|
 Absa | 110% (first home) | 30 years | Up to 110% for first-time buyers on homes up to R3.6m, and 50% off bond registration with an Absa-approved attorney. |
 FNB | 110% | 30 years | Up to 110% over 30 years, and a home loan for graduates under 35 that is interest-only for the first two years. |
 Standard Bank | Not published | Not published | Online pre-qualification, building loans, pension-backed loans and 50% off bond registration for first-time buyers. |
 Nedbank | 109% (first home) | 30 years | Up to 109% for first-time buyers and loans up to R7.5m over 30 years. Lower fees on homes for incomes up to R32,000. |
 Capitec | 100% | 30 years | Apply in the app or in a branch with no documents up front. SA Home Loans assesses and approves the loan. |
 Investec | 100% | Not published | Up to 100% for private banking clients, 40% off bond attorney fees, and loans on holiday and investment homes too. |
 SA Home Loans | 100% | 30 years | 100% loans with no deposit over 20 or 30 years. It is also the lender behind Capitec, Old Mutual and Discovery home loans. |
 Discovery Bank | 100% | 30 years | Start in the Discovery Bank app, up to 100% over 30 years, and up to 1% off the rate through Vitality Money. |
 Old Mutual | 100% | Not published | Up to 100% with a JIBAR-linked rate, from a gross income of R29,600 a month, with SA Home Loans. |
From each bank's own website, checked October 2026. Every lender, with sources.
What will the bond cost each month?
Move the price and see the repayment at today's prime rate.
Bond repayment calculator
What a bond costs you each month, and in total, at today's prime rate.
Open the calculatorHow much can I borrow?
A first idea of the bond your income supports, using the guideline banks start from.
Open the calculatorTransfer and bond costs
Transfer duty, attorney and deeds office fees: the cash you need on top of the deposit.
Open the calculatorWhy apply to more than one bank
Banks don't publish one rate for everyone. Each one prices you on your own income, credit record and the property, so the same person can get a different rate, and a different yes or no, from each bank. Applying to several is how you find out which one wants your business most.
Doing that yourself means filling in each bank's forms and answering the same questions over and over. A bond originator (the consultant we pass you to) does it in one go: one interview, one set of documents, several banks. Banks pay originators a fee when a loan they arranged is registered, which is why the service is free for you.
You're never obliged to take an offer. If none of them suit you, you walk away and it has cost you nothing.
Before you apply
Documents you need for a home loan
The documents South African banks ask for with a home loan application: ID, payslips, bank statements and more, for employed and self-employed.
Buying your first home: a step-by-step guide
How first-time buyers get a home loan in South Africa: how much to save, 100%+ bonds, the First Home Finance subsidy, and each step to the keys.
First Home Finance (FLISP): the subsidy for first homes
First Home Finance, formerly FLISP: a once-off subsidy of R38,911 to R169,265 for first-time buyers earning R3,501 to R22,000 a month.
What a bond originator does, and why it's free
A bond originator applies to several banks for your home loan at once. How they work, how they're paid, and what to watch for.
How banks decide on your home loan
What South African banks check before approving a home loan: affordability, credit record, income type and the property. And how to improve your chances.
100% home loans: which banks lend without a deposit
Which South African lenders give 100% home loans, and which go to 109% or 110% for first-time buyers to cover the costs. With sources.
Questions people ask
Does it cost anything?
No. The consultant is a bond originator, and banks pay originators a fee when a loan they arranged is registered. You pay the normal costs of buying a home, whichever way you apply.
Is Home-Loans.co.za a bank?
No. We compare the lenders and pass your details to a home loan consultant, who applies to the banks for you. Each bank decides whether to lend and at what rate.
Why do you ask for my number first?
It's what the consultant needs to phone you. If you stop after the first step, they'll still call to help.
Will you share my details with anyone else?
Only with the home loan consultant, and through them with the banks you apply to. Never to anyone selling something else. Privacy.
Which banks can I apply to?
Absa, FNB, Nedbank, Standard Bank, Capitec, Investec, SA Home Loans, Discovery Bank and Old Mutual all offer home loans. Your consultant suggests which suit you. Compare them.
What's the prime rate right now?
10.75%, since the Reserve Bank's decision on 23 September 2026. What it means for a bond.
Do I need a deposit?
No. Several lenders go to 100%, and some to 110% for first-time buyers. Which ones.
How long does it take?
Banks usually answer within a week or so of getting your documents. Registration at the deeds office typically takes two to three months after that.
Ready when you are
Three short steps, then a consultant phones you. There's no cost and no obligation.
Step 1 of 3
Thanks, there.
A home loan consultant will phone you on . Keep these handy for the call, it makes the application quicker:
Have these ready
- Your ID
- Your last three payslips (self-employed: two years of financial statements)
- Your last three months of bank statements
- The offer to purchase, if you've signed one already