Fixed-rate home loans from R100k to R10 million. No hidden fees, flexible terms up to 30 years.
π‘ Property finance made simple β’ Bond assistance β’ New home purchases β’ Refinancing
Use our free calculator to see exactly what your monthly bond repayment would be. Fixed 5% APR across all home loan products.
*Terms apply. 5% APR representative example for qualifying clients.
We make buying your dream home affordable, transparent, and stress-free
Lock in your rate β no surprises, ever. Fixed for the entire loan term.
Get pre-approved within 24 hours. Same-day decision for qualifying applicants.
Finance your dream home β from starter homes to luxury estates.
Apply online, e-sign documents, no branch visits required.
Visualise the possibilities with our home loan solutions
Buy your first home or upgrade to your forever home with affordable 5% APR financing.
Switch your existing bond to Sent Financial and save thousands with our low 5% rate.
Renovate, extend, or modernise your home with flexible home improvement loans.
Get your home loan from application to approval in days, not weeks
Fill in our simple application β takes less than 5 minutes.
Receive your pre-approval letter within 24 hours.
Shop with confidence knowing your budget is secured.
We handle the legal process β funds paid directly to seller.
Everything you need to know about our home loans
We consider all applications. Minimum 580 FICO score recommended, but we look at your full financial picture.
Yes! Your rate is locked for the entire loan term β no adjustments, ever.
As low as 5% deposit for first-time home buyers. 0% deposit available for qualifying applicants.
Pre-approval within 24 hours. Full bond approvalιεΈΈε¨ 5-7 business days.
Absolutely. No penalties for early repayment or extra payments.
Residential properties including houses, apartments, townhouses, and vacant land for construction.
Get pre-approved today β no obligation, just a clear path to homeownership.
Apply for home loanπ Call us: 0800 123 456 β’ βοΈ bonds@sentfinancial.co.za β’ NCR Regulated