Please note that you are using an outdated version of Internet Explorer which is not compatible with some elements of the site. We strongly urge you to update to a newer version for optimal browsing experience.

General Mortgage Requirements

Property details

  • Copy of the sales agreement with details of the property or Sale offer
  • Copy of the valid land title
  • Valuation of property

Borrower’s personal details

  • 2 passport size photos (4 for some Banks)
  • Identification documents (Employer Identity card / Driving permit / Copy of passport / Voter’s card)
  • Copy of financial card or fill in the Credit Reference Bureau Form
  • Spousal consent, 2 passport photos & valid identification of spouse
  • Authenticated Bank statement for at least 12 months
  • Authenticated Loan statement & copy of Loan offer in case of existing loans with other Banks
  • Tenancy agreements & Copy of Land title (in case of rental property)

Salary Earners

  • Letter from the employer confirming terms of employment
  • Pay slips for 3-6 consecutive months depends on Bank

Self Employed Individuals

  • A Certified copy of Audited Financial statements for the past two years
  • A Certified copy of Certificate of incorporation
  • A Certified copy of Memorandum and articles of association
  • A Certified copy of Company’s form 7
  • A Certified copy of Board resolution to borrow (if it’s a company borrowing)

Requirements for Construction (Property Developers)

Property details

  • Copy of the valid land title
  • Copy of the approved building plans
  • Photographs of at least four elevations of the building
  • Bills of quantities of the outstanding work

Other requirements are the same as above (Borrower’s personal details)

Note: For clients in the Diaspora the following must be notarized

  • Power of Attorney
  • Mortgage Application Form
  • Passport Photos


Your browser is out of date!

It looks like you are using an outdated version of Internet Explorer.

If you are using Internet Explorer 8 or higher, please verify that your Internet Explorer compatibility view settings are not enabled.

For the best browsing experience, update to the latest Version of Internet Explorer or try out Google Chrome or Mozilla Firefox.

Please contact our Terraces properties Support Team for further assistance. Tel. +27 (0)861 111 724