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Banks that give home loans in South Africa

Who lends, how much of the price they'll finance and for how long, from each lender's own website. Tap a bank for the detail.

LenderLends up toLongest termWorth knowing
Absa110% (first home)30 yearsUp to 110% for first-time buyers on homes up to R3.6m, and 50% off bond registration with an Absa-approved attorney.
FNB110%30 yearsUp to 110% over 30 years, and a home loan for graduates under 35 that is interest-only for the first two years.
Standard BankNot publishedNot publishedOnline pre-qualification, building loans, pension-backed loans and 50% off bond registration for first-time buyers.
Nedbank109% (first home)30 yearsUp 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.
Capitec100%30 yearsApply in the app or in a branch with no documents up front. SA Home Loans assesses and approves the loan.
Investec100%Not publishedUp to 100% for private banking clients, 40% off bond attorney fees, and loans on holiday and investment homes too.
SA Home Loans100%30 years100% loans with no deposit over 20 or 30 years. It is also the lender behind Capitec, Old Mutual and Discovery home loans.
Discovery Bank100%30 yearsStart in the Discovery Bank app, up to 100% over 30 years, and up to 1% off the rate through Vitality Money.
Old Mutual100%Not publishedUp to 100% with a JIBAR-linked rate, from a gross income of R29,600 a month, with SA Home Loans.

From each lender's own website, checked October 2026. Features change; the bank's quote is what counts.

Lenders that work through someone else

Some home loans with a bank's name on them are run by another lender. Capitec's, Old Mutual's and Discovery Bank's home loans are assessed or administered by SA Home Loans, according to their own pages. Worth knowing when you compare: two applications can end up at the same lender.

Sanlam

Sanlam doesn't lend for homes itself. Its home loan page refers people to a bond originator that applies to banks for them, which is the same kind of service you get here.

Banks we checked that don't offer home loans

African Bank, GoTyme (formerly TymeBank), Bidvest Bank, Access Bank South Africa and Bank Zero showed no home loan for the public on their websites when we checked on 11 October 2026.

Absa

Up to 110% for first-time buyers on homes up to R3.6m, and 50% off bond registration with an Absa-approved attorney.

FNB

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

Online pre-qualification, building loans, pension-backed loans and 50% off bond registration for first-time buyers.

Nedbank

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

Apply in the app or in a branch with no documents up front. SA Home Loans assesses and approves the loan.

Investec

Up to 100% for private banking clients, 40% off bond attorney fees, and loans on holiday and investment homes too.

SA Home Loans

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

Start in the Discovery Bank app, up to 100% over 30 years, and up to 1% off the rate through Vitality Money.

Old Mutual

Up to 100% with a JIBAR-linked rate, from a gross income of R29,600 a month, with SA Home Loans.

Where this comes from

Checked October 2026.

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