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Make your next memories in your own home with SA’s No.1 home loan provider.

Switch your bond in 6 steps

Apply for a new home loan with us, and we’ll call to offer you a personalised interest rate – if you’re happy, you’re ready to give your bank notice of cancellation.

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.
You can get up to 100% of the property’s value.

Registering a bond for a higher amount means you can borrow extra later, without registering a second bond.
To move your bond to us, you’ll need to go through the usual home loan application process..

You can apply on your own, or as a trust or business, or make a joint application with your spouse or partner.
  • Apply online
  • Send 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
You need to give your current bank 90 days’ notice that you intend cancelling your bond with them.
We’ll be in touch to confirm your home loan and personalised interest rate, giving you a chance to cancel your current bond before coming in to sign your new home loan contract.
Cancelling an existing bond may cancel your insurance with the same bank. But you still need building insurance for the duration of your new home loan. .

We can get you quotes online for building, home contents and home loan insurance

See your insurance options.
Learn more
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.

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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.

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.

We also offer
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.