Switch or Refinance in 10 steps

We make the process of getting your home loan as simple as possible.

10 easy steps to home ownership

If you’re thinking about switching to SA Home Loans, follow these easy steps to find out what we can offer you.

1. Arm yourself with info

With our handy Switch Calculator, you can do the math to see what deal you qualify for with us - and have the option to get cash out or consolidate your debt.

2. Choose an application option

Apply online with your details and we will contact you once we get started with your application. You can also call our friendly customer consultants on 0860 2 4 6 8 10 to discuss your home loan needs or call your closest branch to organise a face-to-face meeting time.

3. Send us your documentation

Sending all the documentation required is essential to processing your application. Getting this together ahead of time will help speed up the approval process.

4. Credit approval

Our credit team will now complete the credit assessment, using the supplied documentation as well as information obtained from the credit bureau status. If this is all in order, you will receive notification of approval of your bond application. This approval is subject to the completion of the valuation. If there is a problem, you will be contacted by a consultant to discuss a possible solution.

5. Property valuation

An expert appraiser will arrange an appointment to value the property.

6. Evaluate and sign a Letter of Acceptance (LOA)

Subject to the credit approval, we will prepare a home loan proposal, called a LOA. This document details the costs, interest rate, monthly instalment, and other important information for you to evaluate and sign

7. Conveyancing

Our national panel of attorneys will prepare all the necessary bond registration documents and will make an appointment with you to sign them.

8. Lodgement

Lodging your bond registration is the next step and happens immediately after you sign your documentation with the attorney.

9. Wait for registration

Registration of your bond at the Deed’s Office will take approximately 12 weeks.

10. Personalised Service

Once your home loan is registered, we will continue to provide personalised service and attention to ensure that you get the most from your home loan as a part of the family.

*Terms and conditions apply to all products. The availability of lending products is subject to our credit policy as amended from time to time.