SA Home Loans

SA Home Loans specializes in providing tailored home loan solutions for both new and existing homeowners. Their focus is exclusively on residential property financing, offering a variety of loan options to suit different financial needs.

Here are some of the home loan products they offer:

Variable Home Loan: The interest rate is based on your risk profile, with a repayment term of up to 20 years.

30 Year Home Loan: Also based on your risk profile, this loan extends the repayment period to 30 years, lowering monthly installments. However, keep in mind that the extended term results in higher overall interest costs. Applicants must be under 45 years of age to qualify.

Edge Home Loan: This option allows you to pay only interest for the first 36 months, reducing your initial monthly installment. After this period, the bond continues for a standard 20-year term. While this may be beneficial in specific situations, we generally recommend carefully considering its long-term impact.

One limitation of SA Home Loans is that they only finance residential properties and do not offer building loans.

Additionally, mortgage bonds are not available for the following property types:

Farms
Small holdings exceeding 8,000 m2 or zoned as Agricultural
Commercial properties (even those with minor commercial use)

We hope this information helps you make the best decision for your home financing needs.

To explore your home loan options further, one of our skilled consultants will contact you to guide you through the application process and assist with your specific requirements.

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