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SA Home Loans
Verified Business
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Rated in:
Scores reflect the Overall AI Score for each category
Scores reflect the Overall AI Score for each category
Based on recent customer reviews, SA Home Loans receives sharply polarised feedback. A small group of clients praise named consultants for attentive guidance, while the majority describe prolonged delays, unresponsive consultants, unauthorised debits, and unresolved bond cancellations. Trust issues around insurance policies, interest rates, and credit decisions dominate the negative experiences, with many customers escalating to the Ombudsman or threatening legal action.
TrustIndex
3.3
Ranking
#4
in Home Loans
NPS Score
-30
Recommended: Unlikely
Jul '25 - Jun '26
Based on recent customer reviews, SA Home Loans receives sharply polarised feedback. A small group of clients praise named consultants for attentive guidance, while the majority describe prolonged delays, unresponsive consultants, unauthorised debits, and unresolved bond cancellations. Trust issues around insurance policies, interest rates, and credit decisions dominate the negative experiences, with many customers escalating to the Ombudsman or threatening legal action.
The most common complaint about SA Home Loans, based on Hellopeter's AI analysis of recent customer reviews, is Communication & Responsiveness. Customers repeatedly cite ignored emails, unreturned callbacks, and applications stalling for months without updates. Promised follow-ups rarely materialise, and escalation to managers often yields silence. Clients describe needing to chase consultants for every status update, with many waiting weeks or months for any meaningful response.
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your Experience1 reviews | Active since Jan 2020
I am extremely frustrated with SA Home Loans and the lack of communication throughout this process. We have been waiting for over a month for guarantees to be issued so that the property transfer can proceed. SAHL has already released the transfer assist funds, and the first debit order even went off yesterday, yet we are still waiting for guarantees. Based on discussions with the attorneys earlier in May, we were advised to give notice at our rental property because the transfer would hopefully be completed by the end of May, or alternatively early occupation would be granted. Unfortunately, because SAHL has still not provided “proceeds to lodge” since April, the transfer attorneys will not allow early occupation without guarantees being issued. As a result, I am now in a terrible situation where I have no place to move into at the end of May because my landlord has already secured a new tenant and I cannot reverse my notice to vacate. What makes this even more frustrating is the lack of updates and accountability. Every time I call, I am transferred from one consultant to another. My original consultant says the matter is now “out of her department,” yet nobody provides clear feedback or timelines. We submitted all requested documents long ago, but communication has been extremely poor. This entire experience has been stressful, emotionally exhausting, and deeply disappointing.
1 reviews | Active since Jan 2020
I am extremely frustrated with SA Home Loans and the lack of communication throughout this process. We have been waiting for over a month for guarantees to be issued so that the property transfer can proceed. SAHL has already released the transfer assist funds, and the first debit order even went off yesterday, yet we are still waiting for guarantees. Based on discussions with the attorneys earlier in May, we were advised to give notice at our rental property because the transfer would hopefully be completed by the end of May, or alternatively early occupation would be granted. Unfortunately, because SAHL has still not provided “proceeds to lodge” since April, the transfer attorneys will not allow early occupation without guarantees being issued. As a result, I am now in a terrible situation where I have no place to move into at the end of May because my landlord has already secured a new tenant and I cannot reverse my notice to vacate. What makes this even more frustrating is the lack of updates and accountability. Every time I call, I am transferred from one consultant to another. My original consultant says the matter is now “out of her department,” yet nobody provides clear feedback or timelines. We submitted all requested documents long ago, but communication has been extremely poor. This entire experience has been stressful, emotionally exhausting, and deeply disappointing.
1 reviews | Active since Jan 2020
Refusing to update the ITC record. The amount was debited from my bank account for the April payment which successfully went through and that has been confirmed with the loan statement that I received from them. I have been asking them to please update the ITC records as it is reflecting that the last payment was in March. Their agent has refused to accept this mistake on their part and kept on telling me that the payment only cleared on the 1st of May on their side. The fact remains that the monthly instalment was paid therefore the records should be updated to true reflection without a fight. So they are just happy with damaging ITC score for their customers, what a worse business practice!!!
1 reviews | Active since Jan 2020
Refusing to update the ITC record. The amount was debited from my bank account for the April payment which successfully went through and that has been confirmed with the loan statement that I received from them. I have been asking them to please update the ITC records as it is reflecting that the last payment was in March. Their agent has refused to accept this mistake on their part and kept on telling me that the payment only cleared on the 1st of May on their side. The fact remains that the monthly instalment was paid therefore the records should be updated to true reflection without a fight. So they are just happy with damaging ITC score for their customers, what a worse business practice!!!
1 reviews | Active since Jan 2020
SA Home Loans Worse customer service SA Home loan debited my account even before I had access to the property.its was only yesterday that I received communication in instructing me to collect the keys this coming Friday.Today the debit ed my account without notice to me,.i want funds to be refunded
1 reviews | Active since Jan 2020
SA Home Loans Worse customer service SA Home loan debited my account even before I had access to the property.its was only yesterday that I received communication in instructing me to collect the keys this coming Friday.Today the debit ed my account without notice to me,.i want funds to be refunded
1 reviews | Active since Jan 2020
I have experienced worse terrible service with SA home loan. My bond became on arrears after the interest rates went up, then I sent and email requested that rework my contract by adding 2 months to cover my arrears, they agreed and also sent me email. After that my bond is being paid in advance but now when I need to redraw they are telling me that there no money for redraw. They are failing to explain where was my going to because I have been paying more extra on my bond. This Lindokuhle consultant was not helpful on my issue even though I tried to explain to him. They gave worse terrible service ever, and wasted my airtime on the phone for over 30 minutes. I need to redraw my advance because I have been paying more extra, my bond is R6100 and I am paying R6700. But they have guts to tell me that there's nothing on my redraw. Worse service, if they don't solve my situation, I am going to switch to another bank for my bond.
1 reviews | Active since Jan 2020
I have experienced worse terrible service with SA home loan. My bond became on arrears after the interest rates went up, then I sent and email requested that rework my contract by adding 2 months to cover my arrears, they agreed and also sent me email. After that my bond is being paid in advance but now when I need to redraw they are telling me that there no money for redraw. They are failing to explain where was my going to because I have been paying more extra on my bond. This Lindokuhle consultant was not helpful on my issue even though I tried to explain to him. They gave worse terrible service ever, and wasted my airtime on the phone for over 30 minutes. I need to redraw my advance because I have been paying more extra, my bond is R6100 and I am paying R6700. But they have guts to tell me that there's nothing on my redraw. Worse service, if they don't solve my situation, I am going to switch to another bank for my bond.
1 reviews | Active since Jan 2020
Good day, I am disappointed and confused by the outcome of my application. I do not understand how my credit profile does not meet the minimum criteria when my credit score is favourable and I have not missed any payments on my accounts. I have maintained my financial commitments responsibly, which makes this decision very concerning. I would appreciate transparency regarding what exactly affected the assessment, as the feedback provided is very vague. It is frustrating to be declined without a proper explanation despite having a clean payment history. I also find it unfair that I now have to wait another 3 months to reapply without understanding what needs to be improved. Kindly provide a detailed explanation of the factors that resulted in the decline.
1 reviews | Active since Jan 2020
Good day, I am disappointed and confused by the outcome of my application. I do not understand how my credit profile does not meet the minimum criteria when my credit score is favourable and I have not missed any payments on my accounts. I have maintained my financial commitments responsibly, which makes this decision very concerning. I would appreciate transparency regarding what exactly affected the assessment, as the feedback provided is very vague. It is frustrating to be declined without a proper explanation despite having a clean payment history. I also find it unfair that I now have to wait another 3 months to reapply without understanding what needs to be improved. Kindly provide a detailed explanation of the factors that resulted in the decline.
1 reviews | Active since Jan 2020
I am absolutely appalled by the service—or lack thereof—from SA Home Loans. We made a clear, formal written arrangement with SAHL that our loan installment would not be debited this month. Despite this written confirmation, they proceeded to deduct the full amount from my Capitec account anyway. When I called to rectify this, the consultants were completely unhelpful. They acknowledged the arrangement but refused to process an immediate refund, claiming the funds "haven't reflected" on their side yet and that I must wait 3-7 working days once they do. This is an unauthorised deduction and a blatant breach of our agreement. This "system error" has left our bank account depleted, making it impossible to pay other essential debits due today. I have been told I basically have to "just wait" while my other bills bounce and I incur bank fees. I demand an immediate manual EFT (Real-Time Clearing) of my funds today. I will be lodging a formal complaint with the National Financial Ombud (NFO) and the National Credit Regulator (NCR) for unfair collection practices and breach of contract. SA Home Loans, fix your mistake immediately. This is not how you treat loyal clients.
1 reviews | Active since Jan 2020
I am absolutely appalled by the service—or lack thereof—from SA Home Loans. We made a clear, formal written arrangement with SAHL that our loan installment would not be debited this month. Despite this written confirmation, they proceeded to deduct the full amount from my Capitec account anyway. When I called to rectify this, the consultants were completely unhelpful. They acknowledged the arrangement but refused to process an immediate refund, claiming the funds "haven't reflected" on their side yet and that I must wait 3-7 working days once they do. This is an unauthorised deduction and a blatant breach of our agreement. This "system error" has left our bank account depleted, making it impossible to pay other essential debits due today. I have been told I basically have to "just wait" while my other bills bounce and I incur bank fees. I demand an immediate manual EFT (Real-Time Clearing) of my funds today. I will be lodging a formal complaint with the National Financial Ombud (NFO) and the National Credit Regulator (NCR) for unfair collection practices and breach of contract. SA Home Loans, fix your mistake immediately. This is not how you treat loyal clients.
1 reviews | Active since Jan 2020
I would like to extend my warmest heartfelt gratitude to Evar Radebe for holding me by my hand through my home loan application with SA. She walke wholeheartedly with me to guarantee that I qualify for the loan. My greatest gratitude towards her is a result of professionalism displayed, the assuarance she gave to me, the caring attitude demonstrated all the way till I became a Pride home owner through SA Home Loans. My sister, your out of the way advise remains a valuable tool to stimulate my desire to acquire more properties as your guidance and resilience proved so meaningful. Coming back for a New Application soon because of you. Regards Elvis
1 reviews | Active since Jan 2020
I would like to extend my warmest heartfelt gratitude to Evar Radebe for holding me by my hand through my home loan application with SA. She walke wholeheartedly with me to guarantee that I qualify for the loan. My greatest gratitude towards her is a result of professionalism displayed, the assuarance she gave to me, the caring attitude demonstrated all the way till I became a Pride home owner through SA Home Loans. My sister, your out of the way advise remains a valuable tool to stimulate my desire to acquire more properties as your guidance and resilience proved so meaningful. Coming back for a New Application soon because of you. Regards Elvis
SA Home Loans has a TrustIndex of 3.3 out of 10 on Hellopeter, based on 77 reviews in the last 12 months. Hellopeter has tracked SA Home Loans across 1,163 total reviews. How is the TrustIndex calculated? →