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Home Loans

🏡 Home Loans – Make Your Dream Home a Reality

At Northway Finance, we understand that buying or renovating a home is one of life’s biggest investments. That’s why we offer flexible, affordable home loan solutions tailored to your financial needs—even if you have a less-than-perfect credit history. Whether you're purchasing a new house, renovating your current home, or consolidating your bond, we’re here to help.

✅ Why Choose Northway Finance for Your Home Loan?

  • Loan amounts from R50,000 to R2,000,000

  • Flexible repayment terms of up to 240 months (20 years)

  • Competitive interest rates

  • Quick turnaround – Apply in minutes, get feedback within 24–48 hours

  • We consider clients with low or impaired credit scores

📋 Who Can Apply?

To qualify for a home loan, you must:

  • Be 18 years or older

  • Be a South African citizen or permanent resident

  • Be employed or self-employed with a regular income

  • Earn a minimum gross monthly income of R5,000

📑 What Documents Are Required?

You’ll need the following to apply:

  1. Valid South African ID or smart card

  2. Latest 3 months’ payslips or proof of income (for self-employed, 6 months)

  3. Latest 3 months’ bank statements

  4. Proof of residence (not older than 3 months)

  5. Offer to purchase (if applicable)

  6. Bond statement (for home loan refinancing)

🔁 Repayment Terms

  • Choose a repayment plan that suits your budget—from 12 months to 240 months

  • Monthly installments are calculated based on the loan amount, interest rate, and chosen term

  • Early settlement is allowed with no penalties—save on interest!

🏦 How Funds Are Disbursed

Once your loan is approved and all agreements are signed, funds are either:

  • Paid directly to the seller or bond originator for home purchases

  • Paid into your nominated bank account for renovations or refinancing purposes

💬 Application Process – It’s Simple!

  1. Apply Online: Complete our easy application form in minutes

  2. Upload Documents: Submit the required documents via email or upload portal

  3. Get Assessed: We conduct a quick affordability and credit check

  4. Approval & Payout: If approved, you’ll receive your offer and funds within days!

🔒 Your Information Is Secure

We are fully compliant with the National Credit Act (NCA) and POPIA, ensuring your personal and financial data is kept safe and confidential at all times.

📞 Need Help or Have Questions?

Our home loan specialists are ready to assist you.

🌍 Apply online at: www.northwayfinance.co.za

Northway Finance – Building Homes, Changing Lives.