Build a home

How it works

Calculate what you can afford

Use our helpful calculators to give you a good idea of how much you can afford.

Find land and make an offer

Now the exciting part begins: you can start looking for a piece of land to build your dream home and make an offer.

Get a home loan

The simplest way to apply for your home loan is online. You can also call us, speak to your banker or visit your nearest branch.

Get the required paperwork

Buying a house is quite a big investment. Use our document checklist to make sure you have all required documents.

How to qualify

  • You are 18 years of age or older
  • Your earn a single or joint gross monthly salary of R 3 500 or more
  • You have a transactional account where your salary is deposited

Features and benefits

Borrow up to 100% of the property’s value/purchase price

Repay the loan over a period of up to 20 years

Competitive interest rates (variable or fixed rate)

Apply for a home loan as a private individual; with another person(s); or as a business entity, such as a trust or company

Register a bond greater than the loan amount you need. You can access the extra funds later by applying for a further loan. This saves you time and money because you won’t need to go through the home loan registration process again to access extra funds.

Option to include Home Owner's Insurance

Additional information

  • Interested in our pre-owned properties?
  • To view a complete list of Standard Bank repossessed and sale in execution properties, visit
How to apply

Apply online as an individual or as a business (have your signed offer to purchase ready)

Complete the form below

0860 500 000 (8am - 5pm)

Speak to your banker

Visit your nearest branch

What you’ll need
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Home loan calculators
Find out how much you qualify for, how you can make repayments, and how fast you can pay off your home loan.

Tools & info