Updated September 30, 2026 · BorrowCue Editorial Team

Top home equity loans and HELOCs compared in South Africa

8 lenders available in South Africa, ranked for South Africa.

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Top home equity loans and HELOCs compared in South Africa
#	Lender	Score	Key facts	Actions
1	Upstart Mortgage Home Equity Line of CreditTop pick	9.3/10	Initial rate: 6.52% to 18% APRC: 6.52% to 18% Product fee: $0	Review Compare See alternatives
2	EZLendr	8.9/10	Initial rate: 7.03% Fixed period: 30 years Purpose: Purchase, Remortgage, Home-equity	Review Compare See alternatives
3	Aven	Not rated	Purpose: Home-equity Support channels: Help-centre, Phone	Review Compare See alternatives
4	Credible	Not rated	Product fee: $0 Purpose: Purchase, Remortgage, Home-equity, and 1 more Founded: 2012	Review Compare See alternatives
5	LendingTree	Not rated	Initial rate: 7.1% Fixed period: 30 years Purpose: Purchase, Remortgage, First-time-buyer, and 2 more	Review Compare See alternatives
6	HDFC Bank	Not rated	Initial rate: 7.75% to 13.2% Maximum loan to value: 90% Product fee: ₹4,000	Review Compare See alternatives
7	Scotiabank	Not rated	Purpose: Purchase, Remortgage, First-time-buyer, and 1 more Lender type: Direct lender Legal entity: Bank of Nova Scotia	Review Compare See alternatives
8	Unison	Not rated	Purpose: Purchase, Home-equity Lender type: Direct lender	Review Compare See alternatives

Upstart Mortgage Home Equity Line of Credit

Top pick for South Africa

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