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 and decorate your home with up to 15% back in Ðiscovery Miles in-store or online with our home partners. Plus, until 31 October 2024, this doubles to up to 30% back!
Discover 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.
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.
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.
Purchase. Protect. Power.
An ecosystem built to go beyond home loans.
Not a Discovery Bank client?
Sign up for a transaction account, credit card or suite and be one of the first to apply for a home loan.