Banking & Finance · Contact details
Standard Bank Home Loans Contact Details
The Standard Bank home loans contact number is 0860 123 001, the line Standard Bank lists for home loan general enquiries, and the home loans email address is personalbankingHomeNCar@standardbank.co.za. To change a bond holder, call 0860 500 000. Home owner’s insurance on a Standard Bank bond is on 0860 123 444. Standard Bank’s general personal banking line, 0860 123 000 (or +27 10 824 1515 from abroad), also handles debit order queries. Every detail below was read from Standard Bank’s home loan pages on standardbank.co.za on 14 September 2026.
Standard Bank home loan contact details
| What you need | Contact |
|---|---|
| Home loans general enquiries | 0860 123 001, personalbankingHomeNCar@standardbank.co.za |
| Debit orders | 0860 123 000, +27 10 824 1515 abroad, personalbanking@standardbank.co.za |
| Change bond holder (substitution of debtor) | 0860 500 000 |
| Home owner’s insurance | 0860 123 444, silpolicy.admin@standardbank.co.za, hocclaims@standardbank.co.za |
| Home loan statements by email | SMS Yes to 32264 |
| Set up a debit order or fixed rate (call-back) | SMS Debit Order or Fixed Rate to 32663 |
| Complaints | 0860 101 101, complaint.resolutioncentre@standardbank.co.za |
| Fraud | 0800 222 050 |
The SMS lines charge standard network rates. The home loan pages also list information@standardbank.co.za for compliments, queries and suggestions.
Standard Bank home loan statements and tax certificates
To have your home loan statements sent to your email address, SMS “Yes” to 32264. For tax certificates or any home loan documents you have misplaced, Standard Bank asks you to call 0860 123 001. The Standard Bank app also lets you view recent transactions and tax certificates, access your home loan documents in one place, and extend, cancel or give notice of selling your property.
Paying your Standard Bank bond
- Debit order: Standard Bank calls this the easiest and safest way to pay, because the repayment adjusts automatically if the base rate changes. Set one up on 0860 123 001, or SMS “Debit Order” to 32663 and Standard Bank will call you.
- Fixed interest rate: you can fix your rate for 24 to 36 months; call 0860 123 001 or SMS “Fixed Rate” to 32663.
- Extra payments: to increase your repayments or pay in lump sums, call 0860 123 001. If you already have a Standard Bank home loan, you can also set up an AccessBond facility to pay extra money into your bond and draw on it later.
Settling and cancelling your home loan
Standard Bank needs 90 days’ notice to cancel a home loan. Its steps are: sell your property; pay off the loan and have an attorney instruct Standard Bank to cancel the loan and return your title deed; cancel the home loan so you are no longer charged home loan fees, interest on unpaid fees or home insurance with Standard Bank; and stay insured, because cancelling the loan also cancels home insurance you hold through Standard Bank. For help, call home loans on 0860 123 001 or home owner’s insurance on 0860 123 444.
Changing a bond holder
To remove or replace a bond holder on a joint home loan, for example after a divorce or a spouse’s death, you request a “substitution of debtor”. Standard Bank processes these as new loan applications, with an affordability assessment, and you need an attorney for the deeds office process. You will provide a completed substitution of debtor form and either the final divorce order and consent papers or settlement agreement, or the death certificate, letter of executorship or will. Apply online or call 0860 500 000.
New home loans and pre-qualification
For a new home loan, Standard Bank offers an online application that it says takes less than 10 minutes, and a pre-qualification quote you can use to make an offer on a property; the quote is valid for seven days. First-time buyers can apply for a home loan of up to R3 million and borrow up to 108% to help cover upfront costs. Standard Bank also offers green home loans for EDGE-certified homes, pension-backed home lending, building loans and a home loan protection plan. To check how much you can afford, use its bond calculators.
Complaints
If a home loan query is not resolved, contact Standard Bank’s Complaints Resolution Centre on 0860 101 101 or complaint.resolutioncentre@standardbank.co.za, quoting your home loan account number. To report fraud, call 0800 222 050; for staff misconduct, the independent tip-offs line is 0800 204 547 or whistleblowingline@tip-offs.com.
Sources
- Standard Bank home loan pages: Manage your information, Paying your bond, Settling your home loan, Change bond holder, New home loan, Existing home loan and Buying a home, standardbank.co.za, read 14 September 2026
- Standard Bank Contact us and complaints pages, standardbank.co.za, read 14 September 2026