standard bank home loans

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Standard Bank HomeLoans


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Quick & Easy, Apply Online
Apply to Standard Bank Home Loans or other major banks with just one application form.

Why settle for the prime lending rate when you can have a lower rate. Let us do all the hard work for you. By utilising our free service, we can apply to Standared Bank Homeloans or other major banks on your behalf. We will negotiate the best deal to suit your needs.

If you have an existing bond with Standard Bank and would like to apply for a further mortgage loan, or you need to refinance your mortgage, we can help by getting you the best mortgage product. If you require a new home loan, please read "how we can help"

Free Bond Registration Costs
If you make use of our attorneys for both the registration and the transfer, the registration will be free of charge. If you make use of another attorney for the transfer, but still use our attorneys for the registration, we will offer you a 40% discount on the registration costs.

Complete the form below and have a professional mortgage consultant contact you.

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Home Loan Amount

Did you know?

The demand for a mortgage origination service has increased over the past few years, with more and more people utilising such a service. In order to receive prime less rates, the utilisation of mortgage originators have become a vital part in securing a confident choice of mortgage products. Learn more about the role of a mortgage originator



Standard Bank Home Loans (Products)


is a home loan aimed at making home finance more accessible to low income earners. That is, those earning a single or joint income of between R1 500 and R6 000 a month, excluding housing subsidies or allowances.

Who can apply for a DreamStart home loan?
You can apply for a DreamStart home loan if:

  • You earn a joint income of between R1 500 and R6 000 a month and want to buy a home

  • You are building a new home

  • You are looking to move to a bigger or better home

Life assurance
We have arranged a life assurance policy to ensure that your loan is repaid should you die. This policy will settle the outstanding balance on your home loan account.

Repayment methods
To make your monthly repayments easier, you can pay your instalment through a debit order directly from your account. If you do not have an account, ask your Standard Bank consultant about opening an E Plan account and arrange for your salary to be deposited in this account.

If you pay more than your monthly instalment every month, you will lower the amount of interest you have to pay and will pay your home loan off faster. You will have to apply for this facility and meet certain qualifying criteria.

Standard Bank Ordinary Loan

Qualifying Criteria

The following criteria apply:

  • All homebuyers who do not want to include bond costs in their loan

  • single or joint income must be R6,000-00 or more a month

  • permanent employment; and

  • you need to be 18 years or older

AccessBond facilities:
You can apply for an AccessBond facility. This will allow you to withdraw additional funds deposited into your home loan account, over and above your normal instalment.

Debit orders:
A debit order or salary deduction is compulsory.

Interest rate options available :
There are two interest rate options available:

  • variable rate

  • fixed rate

These options are explained below.

Variable rate option - Option 1:
You can enjoy the flexibility of a fluctuating rate, linked to the prime lending rate.

The maximum instalment to income is 30 per cent.

Fixed rate option - Option 2:
A fixed rate option ensures that you have assurance regarding your repayment commitment for a pre-determined period of time. This option assists in budgeting for the repayments.

A standard fixed home loan interest rate option contract must be signed.

To learn more about Standard Bank Home Loans, please contact one of our consultants to give you free advice

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