Better Housing Finance Solutions

Loan Requirements: What you need to get approved

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Simple Steps to Housing Finance

Apply for housing finance with clarity and confidence. Our structured process outlines required documents, affordability checks, and support for construction, purchase, or improvement financing.

Loan Application Requirements

Loan approval requires verified identification, proof of income, financial statements, and property-related documentation. Specific requirements differ by loan purpose and are outlined across the three application categories, which may include valuations, building plans, and legal records.

To view the full requirements for your housing finance category, please review the sections provided below.

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Application Requirements
Erection, Renovation, Extension & Improvement

  • One quotation from any building contract or a) Tender form b) Specification.

  • Certified copy of ID (husband & spouse)both parties.
  • Recent salary advise (husband & spouse).
  • Three month bank statements.
  • Original state guarantee.
  • Certified copy of marriage certificate.
  • Affidavit to confirm type of marriage.
  • Certified copy of decree of divorce if applicable.
  • Certified copy of death certificate if applicable.

  • Affidavit/sworn declaration(unmarried person).

  • Initiation fee R3 000-00.
  • Valuation fee R3 500-00.
  • Letter from tribal authority & original PTO.
  • Erection & purchase site: a) Offer to purchase: b).
  • Transfer costs.
  • Proof of residence or tax certificate & IRP5.
  • Approved building plan.
  • Valuation report.
New applicants for erection & extension
Purchasing, Renovation,
Re-advance & Improvement
  • Certified copy of ID (husband & spouse) both parties.
  • Recent salary advise(husband & spouse).
  • Three months bank statements (husband & spouse).
  • Qualification letter for state guarantee.
  • Certified copy of marriage certificate.
  • Affidavit to confirm type of marriage.
  • Certified copy of decree of divorce if applicable.
  • Certified copy of death certificate if applicable.
  • Affidavit/sworn declaration(unmarried person).
  • Initiation fee R3 000-00 (non-refundable).
  • Proof of residence.
  • Tax clearance-sars or IRP5 with tax number.
New applicants for erection & extension
Seller requirements
  • Certified copy of ID (husband & spouse) both parties.
  • Certified copy of marriage certificate.
  • Affidavit to confirm type of marriage.
  • Letter of offer/deed of sale.

  • Account statement from any financial institution.

  • Government house : letter of offer/deed of sale.
  • Original deed of grant/title deed/PTO.
  • Quotation-transfer costs from attorneys.
  • Valuation report.

  • Approved building plan.