Home Buyers Guide
Buying a home isn’t something you do every day, and it’s important to keep track of key details when purchasing your first property. Download our free Home Buyers Guide. This will walk you through every step of the process.
Home Buyers Guide
Buying a home isn’t something you do every day, and it’s important to keep track of key details when purchasing your first property. Download our free Home Buyers Guide. This will walk you through every step of the process.
cost inclusive loan
Find the Right Start for Your First Home
This loan type is designed with First-Time Buyers. Providing the support and flexibility you need to confidently purchase your first home. With competitive rates and various term options, we’re here to guide you through the process and make your homeownership journey as smooth as possible.
Flexible Loan amounts
You can finance up to 110% of your property’s value, to cover payment of legal fees.
Flexible Loan Terms
Choose a home loan term that fits your budget, with options up to 30 years.
Discount on legal fees
You could save up to 50% on bond attorney fees with banks offering this benefit
flexible rate options
Choose between fixed or variable rates. Interest rates adjusted to your risk profile.
You could qualify for FLISP subsidy!
The South African Government offers first time homebuyers living with dependents, a spouse or a partner, a FREE subsidy on their first home. This is known as First Home Finance (FHF) – formally known as FLISP (Finance Linked Individual Subsidy Programme). As a South African citizen you can easily qualify for a FHF subsidy and become a home owner today!
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Required Documentation for Your Home Loan Application
Please have the documentation listed below ready when you apply for your home loan. Ensuring that you have all these documents prepared will help avoid delays and enable us to provide you with the fastest response possible. These are the basic required documents, however, banks may request additional documents from time to time.
- SALARIED
- SELF-EMPLOYED
- A copy of your ID document
- Latest 3 months payslips (for variable income latest 6 months)
- Latest 3 months bank statements
- A copy of the marriage certificate (if married)
- Copies of Rental Agreements (if any rental income is received)
- Latest 3 months bank statements where rental income is paid into (if any)
- A copy of the Offer To Purchase (OTP)
- A completed and signed application form
- A copy of your ID document
- Letter from auditor to confirm personal income
- Latest 6 months personal bank statements
- Latest 2 years comparative financial statements (signed)
- If financials are older than six months, up-to-date signed management accounts
- Personal statement of assets and liabilities
- Your two year IT34 from SARS
- Latest 6 months business bank statements
- A copy of the Offer To Purchase (OTP)
- A completed and signed application form

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Download Our Mobile App
The ooba app is a handy tool for home buyers and real estate agents. It’s free, quick and easy to use. It’s a powerful guide that will give you all the help and information you need to get through the home buying process.
FAQ’s
Frequently Asked Questions
There is the option of acquiring a up to 110% home loan, which will remove the need to pay a deposit as the loan is funded entirely through monthly repayments.
The First Home Finance programme offers a housing subsidy to assist first-time homebuyers in purchasing a home. If your household income ranges from R3 501 to R22 000 per month and you meet the qualifying criteria, you could benefit from this subsidy to help with your first home purchase.
When you purchase a property, you have to pay transfer fees to the conveyancing attorney who transfers the property from the seller’s name to yours. Transfer costs include the fees paid to the attorney, and the transfer duty paid to SARS (properties worth less than R1 100 000 are exempt from transfer duty).
A home loan comparison service, or a bond originator, submits one application to all the major banks, including your own. They get multiple quotes to compare, to ensure you get the best deal on your home loan.
Speak with a Home Loan Specialist Today
Transform your Home Buying Experience with Insights from a Dedicated Home Loan Specialist!