Home Loans Provider A
4.6
Why it winsHighest editor score (4.6/5) across cover, value and service.
Home Loans
Best home loans in South Africa
Compare top home loans providers across South Africa. Independent ratings and editorial reviews from the MoneyWise team.
Written by
MoneyWise Editorial Team
SA Personal Finance Desk
Fact-checked
Faatimah Hendricks, CFP®
Independent reviewer
Last updated
3 August 2026
3 home loans providers
DisclosureSome providers below are paid partners. Rankings reflect editor scoring — see how we review.
What matters most
What to look for in a home loans provider
- 1Editor score across price, cover and customer service.
- 2Independent customer-satisfaction data (SAcsi, Ombudsman).
- 3Transparent fees and no lock-in clauses.
- 4Match to your situation — best-for tags reflect real use cases.
Editor's awards
Best home loans for…
Our analysts ranked every option on price, cover, claims experience and rewards. These won their categories.
Home Loans Provider B
4.3
Why it winsLowest indicative monthly cost.
Live payment estimator
What will my home loan cost each month?
Move the sliders. Your estimated monthly payment updates instantly.
R 1 500 000
R 250 000R 8 000 000
20 years
5 years30 years
11.75%
9%14%
Estimated monthly payment
R 16 256
per month over 20 years
- Total interest
- R 2 401 345
- Total repayment
- R 3 901 345
Soft check — won't affect your credit score
Estimate only. Real rates depend on your credit score, income and the lender's risk model.
- Editor's pick
Home Loans Provider A
Trusted SA provider
4.6OverallQuote-based Home Loans Provider B
Lower premiums
4.3ValueQuote-basedHome Loans Provider C
Modular plans
4.1FlexibilityQuote-based
Ready to compare home loans?
Spec sheet
Side-by-side comparison
Compare the exact home loans features that matter — prices, cover, rewards and more — column by column.
| Home Loans providers | H Home Loans Provider A 4.6 Editor | H Home Loans Provider B 4.3 | H Home Loans Provider C 4.1 |
|---|---|---|---|
| Best for | Overall | Value | Flexibility |
| Starting price | R411 | R624 | R507 |
| App rating | 3.9 | 4.4 | 4.9 |
| Rewards programme | Included | Included | Included |
| Support hours | Mon–Sat 7am–9pm | 24/7 phone & chat | 24/7 phone & chat |
| Apply |
H
Home Loans Provider A
Overall
4.6
- Starting price
- R411
- App rating
- 3.9
- Rewards programme
- Included
- Support hours
- Mon–Sat 7am–9pm
H
Home Loans Provider B
Value
4.3
- Starting price
- R624
- App rating
- 4.4
- Rewards programme
- Included
- Support hours
- 24/7 phone & chat
H
Home Loans Provider C
Flexibility
4.1
- Starting price
- R507
- App rating
- 4.9
- Rewards programme
- Included
- Support hours
- 24/7 phone & chat
Spec values are indicative and standardised for comparison. Confirm details with each provider before applying. See our methodology.
Information is indicative. Always confirm directly with the provider and read the policy schedule before purchase. MoneyWise may earn a commission when you click through.
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