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“Your Home.
Your Future.
Made Possible.”
Owning a home is one of life’s biggest milestones.
At African Bank, we make it possible.

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Your Home. Your Future. Made Possible.
Whether you’re buying your first home, upgrading to a bigger space, or planning for retirement, African Bank Home Loans give you the confidence to move forward.
With competitive rates, clear terms, and support at every step, we’re here to help you make the move that matters most.

So, what best describes you?

Based on your selections below, the following products will benefit you the most:
LTV
Includes Bond costs. No deposit required
Contracted Rate
Fair Entry Pricing
Audacious Rewards
Cashback to spend within the African Bank Ecosystem
5 Year interest rate review
Rewards Discipline

About Us

At African Bank Home Loans, we believe you deserve a place to call your own. Our vision is to be South Africa’s most inclusive and empowering home finance partner, helping you achieve dignified and sustainable homeownership.
We’re here to walk the journey with you, making it simpler, fairer, and more supportive. With solutions built around your life and your goals, we help you create stability, security, and a stronger future, one home at a time.

Mortgage Calculator

The rate used in this calculation is indicative only. Your rate may differ based on your specific criteria. All applicants are subject to a full credit assessment. Home Owners and Credit Life insurance are not part of the estimated costs.
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Mortgage Affordability Calculator

The rate used in this calculation is indicative only. Your rate may differ based on your specific criteria. All applicants are subject to a full credit assessment. Home Owners and Credit Life insurance are not part of the estimated costs.

Frequently Asked Questions (FAQs)

Your qualification depends on affordability, income, and the value of the property you want to finance. Our quick assessment can give you an estimate in minutes.

We offer flexible terms of up to 30 years, depending on your affordability, age, and product choice.

Not always. With certain products like Home Start, we offer flexible options for first-time buyers who don’t have a big deposit saved.

The process can take a few days to a few weeks, depending on your documents and property valuation. We’ll keep you updated every step of the way.
© Copyright 2019 African Bank. An authorized financial services and credit provider Reg No. 2014/176899/06 (NCRCP7638)