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SA Home Loans

SA Home Loans is a home loan lender, not a bank. It lends up to 100% with no deposit and is the engine behind several bank-branded home loans.

Lends up to
100%, no deposit needed
Term
20 or 30 years
Rate
Variable, based on your risk profile
Attorney fees
50% off bond attorney costs (unless a developer pays them)
Registration
NCR registered credit provider (NCRCP1735)
Behind
The home loans offered through Capitec, Old Mutual and Discovery Bank

Why the name turns up so often

If you apply for a home loan through Capitec, Old Mutual or Discovery Bank, SA Home Loans is the one assessing and running it. That's worth knowing when you compare offers: two of those applications may end up at the same lender.

Where this comes from

Checked October 2026.

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