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A long-term loan (usually 20–30 years) used to buy a residential property. The bank pays the seller, and you repay the bank monthly with interest.

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Best For:
Anyone purchasing an existing home for personal use.

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Benefits:​

• Fixed or variable interest rate options

• Up to 100% financing (depending on credit profile)

• Can include transfer and bond costs if you qualify

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Things to Consider:

• Monthly repayments must fit within your affordability

• A good credit score improves your chances

Tailored for buyers entering the property market for the first time.

 

Best For:
People with no existing home loan history.

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Benefits:​

• Often 100% loans (no deposit)

• Guidance through every step of the process

• May qualify for government subsidies (e.g. FLISP in SA)

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Things to Consider:​

• Your income and credit score still matter

• Additional costs like legal fees may still apply

Used to finance the construction of a new home on land you already own (or are purchasing).

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Best For:
Clients building a custom home.

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Benefits:​

• Money released in stages ("progress payments")

• You only pay interest on the amount drawn

• Flexibility to build according to your plans

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Things to Consider:​

• Building plans and contractor quotes must be approved

• More admin involved (site inspections, drawdowns)

Borrow additional funds using your current property’s equity. Often used for home improvements, education, or emergencies.

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Best For:
Existing homeowners who need extra funds.

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Benefits:

• Access large sums at home loan interest rates (lower than personal loans)

• Funds can be used for any purpose

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Things to Consider:

• A new affordability and credit check is required

• Increases your overall debt