Standard Bank is one of South Africa, biggest mortgage lenders and it offers home owners and first time home buyers some of the best home loan products. You could apply for a first time home loan of up to 108% (LTV – loan to value).

Home Loan options available from Standard Bank:

JumpStart – ideal to first time home buyers
This home loan product gives you the opportunity to buy a home even without a deposit.
If you looking to purchase you’re a home but do not have enough money to pay of the registration costs then JumpStart is perfect for you.

When purchasing a home one of your most important requirements is to find the money for the deposit, the transfer cost and the bond registration costs. JumpStart helps you by offering a home loan which covers all the costs involved with purchase a new home.

With Jumpstart a maximum loan to value (LTV) of 108% is allowed.

Qualifying Criteria
The following criteria apply:

  • first time homebuyers
  • single or joint income must be R6,000-00 or more a month
  • loan amounts between R100,000-00 and R1, 500 000-00 (inclusive of costs)
  • customers must have a clean credit record
  • permanent employment; and
  • you need to be 42 years old or younger

DreamStart – ideal for lower income earners
This home loan product is aimed at those earning a single or joint income of between R1 500 and R6 000 a month, excluding housing subsidies or allowances.

Qualifying Criteria
You can apply for a DreamStart home loan if:

  • – You earn a joint income of between R1 500 and R6 000 a month and want to buy a home
  • – You are building a new home
  • – You are looking to move to a bigger or better home

Standard Bank Home Loans
Other home loan products available from standard bank:
Click here for more information and free home loan assistance.

  • SecuraRate
  • Variable rate loan
  • AccessBond
  • Pension-backed lending
  • Insurance

Click here for more information and free home loan assistance.


Bond Originator South Africa

Co Founder of Mortgage Innovations

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