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Get a Free LookSee Property Guide

As the leading home loan provider in South Africa, we strongly believe in fulfilling our purpose of helping South Africans own a home. We help you get closer to owning your dream from the start with
your home with our  Tiered rates option.


1. Work out what you can afford

Use our calculators to get an idea of how much you can borrow, and what your monthly repayments will be over terms up to 20 years.

It’s also worth seeing if you qualify for a government subsidy or one of our affordable housing options

2. Decide how much to borrow

You can borrow up to 100% of the property’s purchase price. Registering a bond for a higher amount means you can borrow extra later, without registering a second bond.

First-time buyer? You can get up to 104% for a purchase price of R 1m or less, and use the extra 4% towards transfer and bond registration costs.

3. Find your dream home

When viewing properties, check for signs of damp or structural damage, and anything else that you will have to spend more money on once you’ve moved in.

You might also want to have a look at repossessed properties for sale through online auction (transfer duties don’t apply to these properties).

Search MyRoof properties

4. Check the home’s property guide

You can make more informed decisions about buying a property when you know how old it is, what it last sold for, and how it compares to similar properties in the same or different areas.

With our free property guides to homes across South Africa, you can get relevant info and key insights on the estimated value of your dream home, so you can buy with confidence.
Explore LookSee Property Guides

5. Make an offer to purchase

Once you’ve found the home you want, you’ll need to make an offer to buy it.

If your offer is accepted, you and the owner must sign your offer to purchase. You may submit a copy of the offer when applying for your home loan.

6. Apply for a home loan

You can apply on your own, or as a trust or business, or make a joint application with your spouse or partner.

We’ll be in touch to confirm your home loan and personalised interest rate, and arrange a time for you to come in and sign your home loan contract.

  • Apply online
  • Begin applying by sending us a Call me back
  • Call us on 0860 500 000 between 8am and 5pm during the week
  • Or speak to us at your nearest branch

7. Insure your home

 You need building insurance for the duration of your home loan. Standard bank offers four types of insurance

Building insurance – Covers the building structure damage caused by fire, storms, theft or burst geysers.

Home contents insurance – Covers the contents from loss or damage caused by theft, fire or storms.

Car and home insurance – Is comprehensive insurance that covers your building and vehicle

Home loan protection plan – Takes care of your bond repayments or pays off your bond in the event you unable to do so.

Click here  for more information and a quote.

Home Buying Tips for First-Timers
Home buying tips for first-timers

Buying your first home is exciting, but it can also be a little scary. Make sure your joy is not overshadowed by concerns about debt with our home buying tips.

home loans
Access Bond: Make Your Home Loan Work
Access bond: What you need to know

With an access bond facility on your home loan, you won’t have to take out a personal loan to cover unexpected expenses such as fixing your pool or repairing your roof.

Buying an Investment Property
Tips for property investment

Buying an investment property can be a savvy decision if you have factored in all of the costs and risks.

What are Pension-Backed Home Loans?
Pension-backed home loans: What you need to know

A pension-backed home loan (as per the Pension Funds Act 19 (5) (a) and 37D) is an alternative form of housing finance where the loan is secured by your retirement fund savings instead of a mortgage bond.

We also offer
The Lowdown on counselling

We can help you sell your property, settle your bond get your credit record back on track with EasySell

PER Insurance Building Insurance Product Detail
Building insurance

Get cover for structural damage caused by fire, storms, theft or burst geysers.

PER Insurance Home Loan Protection Plan Product Detail
Home loan protection plan

If something happens and you can’t keep paying your bond, you can still protect your home and family with the right cover.

PER Insurance Household Contents Insurance Product Details
Home contents insurance

It takes years to furnish your home, and just seconds for your hard work to be undone. With the right cover, it won’t take as long the second-time round.