Banking & Finance · Contact details
Standard Home Loan Contact Details
To apply for a new Standard Bank home loan by phone, call 0860 500 000 between 8am and 5pm on weekdays. Once an application is in, you can follow its progress on 0860 123 001 by quoting your ID number, and pension-backed loan applicants use 0861 009 429. There is also an online application and a “call me back” form on standardbank.co.za.
ContactDetails.co.za is an independent directory. We are not Standard Bank, we cannot pre-qualify you or check an application, and we do not pass on applications.
Standard Bank home loan contact numbers
| What it is for | Contact |
|---|---|
| Apply for a new home loan, switch a bond to Standard Bank, or borrow more on your bond | 0860 500 000, weekdays 8am to 5pm; online application or “call me back” form; any branch |
| Track a submitted application | 0860 123 001, quote your ID number |
| Pension-backed home loan | 0861 009 429, PBL.Callcentre@standardbank.co.za; completed applications to PBLLoanorigination@standardbank.co.za |
| Home loans general enquiries (existing loans) | 0860 123 001, personalbankinghomencar@standardbank.co.za |
| Struggling with repayments (Debt Care Centre) | 0860 111 400 |
The application line is not the servicing line: 0860 500 000 is for new lending, while 0860 123 001 deals with loans already on the books, including statements, debit orders and cancellation questions on an existing Standard Bank bond. If you already hold the bond, 0860 123 001 and personalbankinghomencar@standardbank.co.za are the routes to use. The document checklist linked from the home loan pages is dated 2016 and lists regional application mailboxes; we have left those out because we could not confirm they are still in use.
Applying for a Standard Bank home loan online
Standard Bank says its online home loan application takes less than 10 minutes. Alongside the online form you can use the “call me back” option on the home loan pages, visit any branch, or phone 0860 500 000 on weekdays between 8am and 5pm. A pre-qualification quote tells you how much you are likely to get, and you can use it to make an offer on a property, but it is valid for only seven days. The bond calculators on the same site estimate affordability and monthly repayments before you commit.
Standard Bank home loans for first-time buyers, switches and building
Different buyers use different routes:
- First-time buyers: Standard Bank lends up to R3 million and up to 108% of the price to help cover upfront costs. Its buying page says first home loans applied for by 31 December 2026 get a 50% discount on bond registration costs.
- Switching from another bank: apply as for a new loan and, if you accept the offer, give your current bank 90 days’ notice. Moving your transactional account with the bond earns a rate of prime minus 0.25%, and cancelling the old bond may cancel insurance held with that bank.
- Building a house: you are ready to apply once you have an offer to purchase or the title deed and a detailed quotation from your builder. Land alone can be financed at up to 60% of its value over ten years. If the land is bonded with another bank, Standard Bank cannot finance the build until that bond is switched.
- Pension-backed loans: secured by your retirement fund savings rather than a bond, with repayments taken from your salary and no bond registration or property assessment fees. The pension-backed line is 0861 009 429.
Documents and fees for a Standard Bank home loan
You can apply alone, jointly with a spouse or partner, or as a trust or business. For a phone or call-back application Standard Bank lists a South African ID, your latest payslip or payslips, a list of your monthly expenses and the property details. A signed offer to purchase can be submitted with the application. Standard Bank then confirms the loan and your personalised interest rate, and books a time to sign the contract.
Pension-backed applicants must have been formally employed for 12 months and belong to a company pension or provident fund. Their document list includes the signed application form, a recent fund benefit statement, three consecutive payslips (six if you earn commission), proof of residence not older than three months, and a bank statement if you do not bank with Standard Bank.
The 2026 pricing guide keeps home loan fees unchanged: an initiation fee of R6 037.50 for individuals or R13 110 for companies, close corporations and trusts, and a monthly service fee of R69 on loans taken out after 6 May 2016 (R240 for juristic accounts).
If your application is slow, declined or unaffordable
Ask about a slow or declined application on 0860 123 001 with your ID number, and write down the consultant’s name. To lodge a formal complaint, use the Complaints Resolution Centre on 0860 101 101 or complaint.resolutioncentre@standardbank.co.za; unresolved outcomes can be escalated to ComplaintsEscalations@standardbank.co.za with your case number. For a lending dispute Standard Bank cannot settle, the National Financial Ombud Scheme is on 0860 800 900 or info@nfosa.co.za, usually within four to six months of the bank’s final answer. If the problem is keeping up with repayments rather than the application itself, the Debt Care Centre line is 0860 111 400.
Home loans are provided by The Standard Bank of South Africa Limited, a registered credit provider (NCRCP15), whose website lists its physical address as 5 Simmonds Street, Selby, Johannesburg, 2001.
Frequently asked questions
What is the Standard Bank home loan contact number?
Call 0860 500 000 to apply for a new home loan, weekdays 8am to 5pm. To track an application already submitted, call 0860 123 001 and quote your ID number.
How do I apply for a Standard Bank home loan online?
Use the online application or the “call me back” form on standardbank.co.za. Standard Bank says the online application takes less than 10 minutes, and a pre-qualification quote is valid for seven days.
What is the Standard Bank pension-backed home loan number?
Call 0861 009 429 or email PBL.Callcentre@standardbank.co.za. Completed applications go to PBLLoanorigination@standardbank.co.za. You must have been formally employed for 12 months and belong to a company pension or provident fund.
How much can a first-time buyer borrow from Standard Bank?
Up to R3 million and up to 108% of the purchase price to help with upfront costs. First home loans applied for by 31 December 2026 get a 50% discount on bond registration costs.
Who do I complain to about a Standard Bank home loan?
Start with the Complaints Resolution Centre on 0860 101 101 or complaint.resolutioncentre@standardbank.co.za. Unresolved outcomes go to ComplaintsEscalations@standardbank.co.za, and beyond that to the National Financial Ombud Scheme on 0860 800 900.
Sources
- standardbank.co.za: New home loan, Buying a home, Switch your bond in 6 steps, Home loan to build a house, Pension-backed home loan and Home loan extension pages, read 16 September 2026
- standardbank.co.za: Home Loans 2026 pricing guide (PDF), read 16 September 2026
- standardbank.co.za: complaints process, read 16 September 2026
- nfosa.co.za published contact details