Standard Bank 100 Percent Home Loans

Standard Bank 100 Percent Home Loans

From deciding how much to borrow to make your offer to purchase, and finally applying for your home loan, buying property is easier than you think.



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.

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).


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.

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