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Build your property investment portfolio with a Buy to Let Home Loan

A complete guide to invest in your future.

Turn your property investment into a business

Partner with us to invest in a Buy to Let property portfolio as you aim to achieve your financial wealth aspirations. Our Buy to Let Home Loan goes beyond financing, brings you great products, services and online tools to support you on your investment journey.

Apply now

Benefits of Buy to Let

100% LTV Finance

Get up to 100% Loan-to-Value (LTV) to finance your investment.

Interest rate concession

Get a 0.25%* interest rate concession provided you open a new Absa cheque account.

Flexible interest rates

Choose a variable or fixed interest rate, whichever suits your pocket.

Home insurance

Homeowner's Comprehensive Insurance covers against sudden and unforeseen events.

What you need to know about Buy to Let

What you get

Rental income

Absa Insurance

Fiduciary Services

What you get
Access to Financial Planning consultants. Email us at Virtualadviser@absa.co.za

Conditional concession: you could qualify for a 0.25% interest rate concession, on condition you:

Open an Absa Gold Value Bundle or Premium Value Bundle Account prior to registration of the mortgage bond

Pay your Home Loan monthly debit order from your account

Keep your Home Loan account up to date
Rental income
Existing and Future Rental Income

Boost your chances of getting approved for another home loan by adding your existing and future rental income to your total income.

Existing Rental Income*

Buying a property with tenants: where you are purchasing a property that has existing tenants with an existing lease contract/agreement, the existing rental income currently collected by the seller can be included in the affordability assessment of the purchaser’s application. This assumes that the tenants will continue renting the property per the lease agreement.

Using Existing Rental Income for affordability: where you have an existing property with tenants and there is an existing lease contract/agreement, the existing rental income can be included in the affordability assessment on the application of your next property purchase.

Future Rental Income*

Buying a second or further property for rental purposes: where no lease contract/agreement exists, and you intend purchasing your second or further residential investment property. A percentage of the estimated market-related rental income can be included on the credit affordability assessment.
Absa Insurance
Get top quality legal services with up to R239 000 litigation cover per year, depending on your chosen package, with Absa Law For You. Get cover criminal, civil, labour and family law matters. For more information call us on 0860 227 257. Other services include:

Building/Homeowner’s insurance

Absa Home Loan Protector insurance pays off your home loan in the event of your death or temporary or permanent disability

Credit Protection Plan.
Fiduciary Services

We offer the following services to protect the property portfolio that you have built and help ensure that your legacy lives on:

Estate Administration

Easy and comprehensive estate administration, protection, management, and distribution of your assets according to your will. Protection of benefits to beneficiaries by way of a testamentary trust to ensure cash is available for your heirs’ living expenses after your death.

Trust Administration

Drafting trust deeds and establishing trusts, which include inter vivos, testamentary, administration of trusts by a professional and independent trustee to ensure the growth and protection of your assets.

Financial Planning

From a full financial needs analysis, reviewing the customer’s will, retirement planning, to tailor-made insurance solutions.

To speak to a Financial Adviser or Legal and Advisory Specialist call Wills Direct on 0860 627 775 or email Absa Trust at absatrust@absa.co.za.

*Terms and conditions apply

Managing your Buy to Let Home Loan

To turn your side hustle into a profession, Business Evolve has a range of transactional account to help you manage your rental income and expenses better.

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Grow your knowledge and network with SAPIN. Get 6 months free Foundation membership, which includes invitations to events, content webinars and access to resources, among other benefits. Plus, get to connect with like-minded investors who can help you broaden your property investment knowledge.

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As an Absa Account holder you get discounts on tenant management tools like LeasePack and InvestorReport.

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Calculate affordability Explore more about home loans

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