Business Details
27 Years
experience
Trusted Mortgage Brokers in South Africa
We are mortgage specialists dedicated to providing tailored home financing solutions that meet individual client needs. Our approach prioritizes transparency, eliminating hidden fees and fine print while offering competitive rates through direct access to capital markets. As South Africa's only specialist mortgage provider, we pioneered a funding model that bypasses traditional banks, passing savings directly to homeowners. Our team of certified professionals brings decades of combined experience in risk management, compliance, and client solutions, ensuring personalized guidance throughout the home ownership journey. We operate with uncompromising integrity, maintaining insolvency-remote loan structures that protect client assets while delivering innovative products like our 23-year Edge Home Loan with reduced initial payments.Backed by shareholders including Standard Bank Group and the Public Investment Corporation, we combine institutional credibility with agile service delivery. Our vision focuses on expanding homeownership accessibility through technology-driven processes and community outreach programs like Sekela, which supports financial literacy. With a client-first culture, we offer 24/7 support resources including online application tracking, affordability calculators, and comprehensive toolkits to simplify mortgage decisions.
Services
Home Loans
Mortgage Brokering
Refinance
Insurance
Personal Lending
Details
- Year established: 1999
Highlights and features
- South Africa's only specialist mortgage provider since 1999
- Direct capital market access reduces client interest rates
- Transparent pricing with no hidden fees or fine print
- Innovative securitization model protects client assets
- Experienced management team with banking and risk expertise
Associations and certifications
- Authorised Financial Services Provider FSP No.2428
- Registered Credit Provider NCRCP1724
Services
Home Loans
We provide tailored home loan solutions with competitive interest rates through direct capital market access. Our products include 20-year, 30-year, and innovative Edge Home Loans with reduced initial payments. Specialist consultants guide clients through application, bond registration, and ongoing loan management.
Refinance
Our refinancing service helps homeowners access better rates by switching existing bonds to our competitive products. We handle all documentation and registration processes while providing personalized cost-benefit analysis to ensure financial advantages for clients.
Insurance
We offer comprehensive insurance products including property coverage and payment protection plans. Our policies are designed to safeguard homeowners against unforeseen circumstances while maintaining transparent terms and straightforward claims processes.
Personal Lending
Our personal lending solutions provide flexible financing options for home improvements, debt consolidation, or major purchases. Competitive rates and transparent repayment terms ensure clients can manage funds responsibly while building credit history.
Further Lending
This service enables homeowners to access additional funds using their property's equity. We facilitate responsible borrowing with clear disclosure of terms, ensuring clients maintain financial stability while achieving their investment or personal goals.
People
Rob Kelso
Chief Executive Officer
B.Com (Hons), CA (SA) with 20+ years in financial services. Leads strategic direction while maintaining client-focused operations. Previously held executive roles at major South African banks.
Zakheni Dlamini
Chief Operating Officer
B.Com (Hons), CA (SA) overseeing daily operations. Expertise in mortgage securitization and compliance frameworks. Instrumental in developing SA Home Loans' market-leading funding model.
Matthew Mutch
Chief Financial Officer
B.Com (Hons), CA (SA) managing financial strategy. Previously worked with Big Four accounting firms. Ensures fiscal responsibility while maintaining competitive pricing structures for clients.
Questions
How does SA Home Loans' funding model benefit clients?
We connect borrowers directly to capital markets through securitization, eliminating traditional bank intermediaries to offer lower interest rates while maintaining asset protection through ring-fenced structures.
What makes SA Home Loans different from banks?
We specialize exclusively in mortgages with innovative funding models, offering more competitive rates and personalized service without cross-selling other financial products.
Are there hidden fees in SA Home Loans' contracts?
No. We operate with complete transparency - there are no hidden charges, no fine print, and all terms are clearly disclosed during the application process.
How does the Edge Home Loan work?
This 23-year bond offers reduced instalments for the first 3 years, followed by standard rates. Designed to ease initial repayment burdens while maintaining long-term affordability.
Can I switch my existing home loan?
Yes. Our refinancing process handles all documentation and registration, with personalized analysis to ensure your new terms provide clear financial benefits.
