SA Home Loans is a specialist home loan provider, separate from the retail banks, and its head office is in Durban.
A payment holiday is not free money. Interest generally keeps accruing during the break and is added to what you owe, so a holiday extends the loan and increases the total you repay. Ask for the effect in rands and in months, in writing, before you agree to anything.
Ask about the alternatives in the same call. A restructure, a term extension or a reduced instalment may cost you less than a full break. If the difficulty is not short-term, debt counselling is a regulated route that can protect the house while a repayment plan is worked out, and it is worth asking about before arrears build up.
This page covers how to contact SA Home Loans in South Africa. The details below were taken from the official SA Home Loans contact page rather than from any third-party directory.
ContactDetails.co.za is an independent directory. We are not SA Home Loans and cannot act on your behalf. Everything on this page is a routing aid so you reach the right official channel quickly.
SA Home Loans contact numbers
These routes were verified against the official SA Home Loans contact page on 21 August 2026. Contact numbers do change, so confirm on the official page before relying on one for anything urgent.
| What it is for | Contact |
|---|---|
| Main number | 0861 888 777 |
| Head office, Durban | +27 31 571 3150 |
| Alternate number | 0861 103 740 |
| Alternate number | 0861 113 414 |
| National Financial Ombud (banking, credit and insurance complaints) | 0860 800 900 |
| National Financial Ombud email | [email protected] |
| National Credit Regulator | 0860 627 627 |
| NCR complaints email | [email protected] |
SA Home Loans is a specialist home loan provider, separate from the retail banks. A payment holiday or payment break is not free money: interest generally continues to accrue and is added to the outstanding balance, so a break extends the loan and increases what you repay overall. Ask for the effect in rands and in months, in writing, before agreeing. If you are in genuine difficulty, ask about restructuring options as well, and note that debt counselling is a regulated route.
Self-service options before you call
- Check the official site at sahomeloans.com, which carries the current contact details and any online enquiry form.
- Email to [email protected], which gives you a written record of what you asked and when.
- Calling outside peak times. Monday mornings and the hour after 17:00 are usually the worst for South African contact centres.
What to have ready before you call
- A clear one line summary of what you need resolved.
- Your account, order or reference number if you already have one.
- The identity document or account holder details, since most South African providers verify who you are before discussing an account.
- Dates, amounts and any error message exactly as it appeared.
- A pen and paper for the reference number. Ask for one every time, because without it a follow up call starts from nothing.
Reading a credit agreement before you sign
- Ask for the total cost of credit in rands, not the instalment. That single figure, the sum of everything you will repay, is the honest comparison between two offers and the law entitles you to it.
- Check what insurance is bundled in. Credit life cover is commonly added to a loan. Where cover is required, you are generally entitled to substitute a policy of your own rather than take the lender’s.
- Check that the lender is registered with the National Credit Regulator, and ask for the NCR registration number. Registration is verifiable on the NCR’s own register, and an unregistered lender is operating unlawfully.
- A lender must do an affordability assessment. Lending to someone who plainly cannot repay is reckless lending, and a court can set aside or suspend such an agreement.
- No lender may keep your identity document, your bank card or your SASSA card as security. That is unlawful, whatever the person at the desk tells you.
Keep the signed agreement and every statement. Almost every credit dispute, from a disputed balance to a listing on your credit record, is decided on paperwork, and the party who kept it is the party who wins.
Complaints and escalation
If a first call does not resolve the matter, escalate through the credit provider’s own complaints process first, in writing. Unresolved credit complaints go to the National Financial Ombud on 0860 800 900, free of charge. Conduct complaints about a credit provider, such as reckless lending or an unregistered lender, go to the National Credit Regulator on 0860 627 627.
Keep a short written log of each contact: the date, the channel you used, the name of the agent and the reference number. Most credit complaint processes ask for exactly that history, and having it ready is usually the difference between a fast resolution and starting over.
Avoiding fake SA Home Loans contact numbers
Contact details for well known South African brands are a common target for impersonation. Numbers that look official appear in search ads, social media replies and cloned websites, and the person answering is not SA Home Loans.
- Reach SA Home Loans through the official site at sahomeloans.com rather than through a number in a search advert or a social media reply.
- SA Home Loans will never ask you for your full card number, PIN, CVV, online banking password or a one time PIN. Nobody legitimate needs those to help you.
- Treat any caller who creates urgency, asks you to install remote access software, or asks you to move money to a safe account as fraudulent, and end the call.
- If you are unsure whether a call was genuine, hang up and dial the official number yourself rather than calling back a number the caller gave you.
Related contact pages
Frequently asked questions
What is the SA Home Loans contact number?
The routes are listed in the table above, with what each one is for. The main route is 0861 888 777. Confirm it on sahomeloans.com before relying on it, since numbers are changed from time to time.
How do I know a SA Home Loans number is genuine?
Check it against the official site at sahomeloans.com. A number that only appears in a search advert, a social media reply or a third-party directory should not be trusted for anything involving your account, your money or your identity document.
What should I do if nobody resolves my query?
Ask for the complaint reference and the escalation path on your first call, then follow the escalation route described above. Keep the dates, agent names and reference numbers, because every formal complaint process will ask for them.
Can ContactDetails.co.za resolve this for me?
No. We are an independent directory, not SA Home Loans, and we have no access to your account. Everything here is a routing aid so that you reach the correct official channel with the right information in hand.
Is there a cost to calling these numbers?
South African 0860 and 0861 numbers are charged at a share-call or standard rate depending on your provider, and 0800 numbers are toll free from a landline. Calls from a mobile are billed at your own operator’s rate, so check your plan if cost matters.
Contact routes on this page were checked against the official SA Home Loans source on 21 August 2026. If you find a detail that has changed, the official source is always the authority.