Sanlam aims to be the leader in wealth creation. This vision touches the entire spectrum of our clients' personal finances, and now includes home loans – because Sanlam knows that a house is the most important financial investment that many people will make in their lifetime.

Sanlam Home Loans was created to fulfil this need. We offer home loans at competitive rates through the use of a low-cost operating model, backed by the excellent service that you've come to expect from Sanlam.

Why Sanlam Home Loans?

Whether you already have a mortgage bond registered with another financial institution or whether you need a new home loan, just consider the benefits of a home loan through Sanlam Home Loans:

• you'll pay lower interest rates – concessions of up to 2%
• you may use the value of your house to raise cash, consolidate debt or buy or build a new home
• you'll do business with a company, in a group, that you know and trust, and
• you can get qualified financial advice on how your home loan can complement your financial planning.

Why can we offer you a lower interest rate?

In South Africa, banks traditionally provide home loans by getting their funds from their own investors and depositors. To service these investors and depositors means banks must have an expensive branch network. They then add 3% to 5% interest on to the cost of these funds to cover overheads and still provide a profit margin for themselves.

At Sanlam Home Loans, we are linking individual borrowers directly to the wholesale investors through a process called securitisation. Therefore we don't need an expensive branch network, thus saving borrowers millions.

Sanlam Home Loan features:

Sanlam Home Loans offers home loans with the following features:

• variable interest rate linked to the Sanlam Home Loan rate
• terms up to 20 years
• surplus funds can be paid into the loan and withdrawn when needed
• 50% discount on legal fees in case of switching
• further advances possible.

Qualifying criteria:

Sanlam Home Loans offer residential home loans of up to 100% for amounts between R200 000 and
R3 000 000. To qualify for a loan through Sanlam Home Loans, you must have:

• a joint income of more than R10 000, and
• an instalment not exceeding 30% of your income.
  You don't need to be an existing Sanlam client. If you already have a home loan elsewhere, you may switch it to Sanlam Home Loans for a lower rate and save. Switching is easy.

Apply Now...

Applying for a home loan from Sanlam Home Loans is easy and hassle-free.

To speed up your application for a new loan or switching your existing loan, please remember to keep the following handy:

• Proof of income (payslip)
• A copy of your ID book
• An existing bond statement for the last 6 months and
• Proof of your home address (municipal bill)

You may apply through your closest Sanlam Home Loan office:

Pretoria	(012) 470 - 0433
East Rand	(011) 394 - 4279
West Rand	(011) 470 - 4731
Cape Town	(021) 947 - 3274
Durban	(031) 300 - 0026
Toll free	086 012 2345

For Mortgage Originators try IBO Home Loans or Business Originators.

Start looking for a home to buy....click here.