Welcome Home Loans

Introducing the first and only shared-value home loan from Discovery Bank. Whether you're a first-time buyer or looking to upgrade, you'll enjoy a full ecosystem of benefits and tailor-made service that starts in minutes on your banking app. Plus, pay up to 1% less on your home loan interest rate, when you manage your money well. Coming soon!

Ready to go home sweet home?

Unlock the Future of Home Loans. Now.
 
 

Apply, Switch, Refinance - all in the app

  • Get a preliminary offer in 5 minutes.

  • Enjoy up to 100% financing for your home.

  • Select repayments terms up to 30 years.

  • Apply with up to 3 co-applicants.

  • All in the Discovery Bank app.

A personalised application process

  • Get a dedicated consultant to manage your application and guide you through the process.

  • Save up to 50% on bond attorney fees.

 
 
 
 

Pay even less on your home loan

  • Pay up to 1% less when you manage your money well and include your other Discovery products.

  • Take comfort with home loan protection and protect your home with building and contents insurance, seamlessly activated as part of your home loan application.

Financial flexibility in a few taps

  • Get flexible access to your prepaid home loan funds with a built-in access facility.

  • Enjoy access to additional credit of R20,000 to R1,000,000 with a Revolving Credit Facility. Enjoy affordable repayments from as little as 2.5% of the outstanding balance, with flexible terms and only pay fees when you use it - directly in your banking app.

 
 
 
 

Exclusive discounts to make your house a home

  • Enjoy exclusive access to our Energy Solutions benefit with a range of bespoke solar and off-grid installations, with optional financing. Plus, enjoy 10% off a selection of portable back up power solutions.

  • Furnish your home for less with up to 30% back in –iscovery Miles at our premium partners - coming soon!

More about our partners

Read more about Discovery Bank Home Loans

Home loans 101

Discover more

 
Welcome Home with SA's first and only shared-value home loan

Whether you're a first-time buyer or looking to upgrade, enjoy a full home loan ecosystem of benefits and tailored services. Start in minutes in your Discovery Bank app, get a personalised interest rate, plus a further discount of up to 1%.

Read more.

 
A guide to finding your dream home

Buying property is a big step. By defining your requirements, researching well, and carefully evaluating each option, you'll set yourself up for a satisfying investment. Here are tips from Discovery Bank on how to approach a property purchase.

Read more.

 
What to look out for: the costs of buying a home in South Africa

Becoming a homeowner is fulfilling, but it requires diligent financial planning. This can help ensure that the property you buy is an investment that increases in value rather than a financial burden. Get pointers from Discovery Bank here.

Read more.

 
Understanding property types and choosing the right fit for you

Do you know the difference between freehold, sectional title, and share-block properties? Each property type may impact decisions like whether you can have a pet, plant a garden, or run a business from home. Get the lowdown from Discovery Bank here.

Read more.

Purchase. Protect. Power.

An ecosystem built to go beyond home loans.

Get a personalised interest rate, plus a further discount of up to 1% on your home loan

Join Discovery Bank with a transaction account, credit card or full banking suite, then simply apply for a home loan in the banking app.

Call us on 0860 000 628 or fill in some quick details and we'll call you.

 
 
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