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.
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Get R10 000* cash back from Absa Rewards when you apply online for your home loan.
Your journey home begins with Absa Home Loans.
What would you like to do?
Get even more with a home loan from us
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There’s a home loan for all your needs. Anyone can apply and all our home loans come standard with these great benefits.
Qualify for even more discounts and benefits
Our home loans come with great benefits, see what you could qualify for.
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.
If you earn <32 000 gross monthly income
MyHome:
- Home loan of up to 105% to cover additional costs
- Free borrower education
- Access to insurance and retirement plans
- You may also qualify for a government housing subsidy programme - Finance Linked Individual Subsidy Programme (FLISP)
If you are a First Time Home Buyer
First Time Home Buyer:
- Home loan of up to 106% to cover additional costs
- Access to insurance and retirement plans
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.
Get great benefits when you qualify for a MyHome or First Time Buyer Home Loan
Attorney discounts
Receive 50% discount on your Absa Panel Attorney bond registration costs.
Interest rate concession
As a first-time buyer you will receive an additional -0.25% concession on your variable interest rate on condition you:
- Open an Absa cheque account (Gold Value Bundle or Premium Banking Account or Private Banking Account) and
- Place a debit order to pay your Home Loan Account from your Absa cheque account. **Terms and conditions apply
Take our free MyHomeowner Journey
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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.
Frequently Asked Questions
Read more about buying a home
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Ultimate guide to buying your first home
Buying a home can be a long, difficult process and scary too! But don’t let that put you off, we’ve put together a guide...
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Buying or renting, what’s the best choice for you?
Buying a home is a big financial commitment and many people choose to rent because of that. But is renting...
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Understanding all your home buying costs
At Absa we aim to make buying your home as easy as possible. It’s a big purchase and too many buyers think...
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Understanding your credit score
When applying for a home loan or any other type of credit, you will come across the term ‘credit score’. Most of us...
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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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Are you eligible for a government subsidy on your home loan?
Eligible South Africans citizens and permanent residents may qualify for a government subsidy to...
The quickest way to get your next home
![Buying A Home Lady and guy unpacking boxes](/content/dam/south-africa/absa/images/heroimages/BuyingAHome-457207699.jpg.rendition.480.480.jpg)
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.
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.
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 early settlement fees.
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
Eco Home Loan
Reduce your carbon footprint and your interest rate
- Get a rate concession of -0.25% on the variable interest rate when you register
- Qualify for rebate of up to 3% (up to R55 000) of the loan amount
- Purchase a property directly from an Absa-approved Eco Home Loan development.
*Terms and Conditions Apply.
Solar and Energy Finance
Get your solar solution for less and also save on electricity costs
- Get a concession of -0.50% on your variable interest rate for a solar solution of up to R300 000 and loan term of up to 60 months (Bounce Back Energy Loan)*
- Get a concession of -0.20% on your variable interest rate for a solar solution of up to R300 000 and loan term of up to 84 months
*Offer valid until 31 March 2025.
Home Loans Solar and Energy Finance Terms and Conditions
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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Find your next home right here
Switching is easy with us
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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!
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
Switch a home loan of R500 000.00 (five hundred thousand rand) or more.
We will give you:
- 50% discount on bond registration fees (incl. VAT)
- In addition to the above benefit, Absa will pay up to R20,000 towards any remaining bond registration fees
- Absa will pay up to R6000 towards bond cancellation costs
- Limited offer: 10 October 2023 to 28 February 2025
Solar and Energy Finance
Get your solar solution for less and also save on electricity costs
- Get a concession of -0.50% on your variable interest rate for a solar solution of up to R300 000 and loan term of up to 60 months (Bounce Back Energy Loan)*
- Get a concession of -0.20% on your variable interest rate for a solar solution of up to R300 000 and loan term of up to 84 months
*Offer valid until 31 March 2025.
Home Loans Solar and Energy Finance Terms and Conditions
Read more about switching your home loan
Switching is easy, quick and worthwhile - find out all you need to know right here.
![Wilfrid KOON KAM KING](/content/dam/south-africa/absa/images/2022/optimised/thumb/iStock_83658415_LARGE_1.jpg.rendition.480.480.jpg)
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Start building your dream home
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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!
Before you break ground
Planning is everything when building. Our step-by-step guide will show you what you need to do.
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.
![Wilfrid KOON KAM KING](/content/dam/south-africa/absa/images/2022/optimised/thumb/iStock_73611519_XXXLARGE%201.jpg.rendition.480.480.jpg)
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Find the land you've been looking for
Get the home loan for residential property investors
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Partner with Absa to invest in a Buy to Let property portfolio, as you strive to achieve your financial wealth aspirations. Absa’s Buy to Let Home Loan, goes beyond financing, brings you great products, services and tools to support you on your investment journey.
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
What we offer:
- Up to 100% LTV financing
- Utilise Existing and Future Rental Income to optimise your affordability.
- Finance in your own name, Trust, Pty or other entity
- Access great education and content with the SA Property Investors Network.
- TPN’s tenant management solutions to assist you in vetting and managing tenants.
- Evolve Business Account to better manage your investment cashflow.
- An Absa Trust Needs Analysis to protect the legacy that you are building.
Read more about buying investment property
Considering investing in property? The below articles contain information to help you decide.
![Wilfrid KOON KAM KING](/content/dam/south-africa/absa/images/2022/optimised/thumb/Absa-Life-At-Ease-555468389.jpg.rendition.480.480.jpg)
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Find the land you've been looking for
Easy, hassle-free solar and energy finance loans
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Solar and Energy Finance loans for a sustainable future
Get the right solar and energy finance loan that best suits your needs. Plus, get great benefits, discounts and more.
Solar and Energy Finance
Get your solar solution for less and also save on electricity costs
- Get a concession of -0.50% on your variable interest rate for a solar solution of up to R300 000 and loan term of up to 60 months (Bounce Back Energy Loan)*
- Get a concession of -0.20% on your variable interest rate for a solar solution of up to R300 000 and loan term of up to 84 months
*Offer valid until 31 March 2025.
Home Loans Solar and Energy Finance Terms and Conditions
Eco Home Loan
Reduce your carbon footprint and your interest rate
- Get a rate concession of -0.25% on the variable interest rate when you register
- Qualify for rebate of up to 3% (up to R55 000) of the loan amount
- Purchase a property directly from an Absa-approved Eco Home Loan development.
*Terms and Conditions Apply.
Read more about buying a home
![Buying a home](/content/dam/south-africa/absa/images/2022/optimised/HelpUSell-iStock_85030165_LARGE_1.jpg.rendition.480.480.jpg)
![Buying a home](/content/dam/south-africa/absa/images/2022/optimised/Revolving-Credit-Facility-88826471.jpg.rendition.480.480.jpg)
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Need more help?
Let one of our experts call you 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