Updated September 30, 2026 · BorrowCue Editorial Team
Top mortgages compared in South Africa
182 lenders available in South Africa, ranked for South Africa.
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| # | Lender | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 1 |  Upstart Mortgage Home Equity Line of CreditTop pick | 9.3/10 |
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| 2 |  Discovery Bank Join Discovery Bank and get 75% off Virgin Active gym fees | 9.2/10 |
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| 3 |  NLB Banka Kosova NLB Depozita me afat: Bonus up to 200 EUR | 9.2/10 |
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| 4 |  Absa | 9.0/10 |
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| 5 | EZLendr | 8.9/10 |
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| 6 |  Old Mutual Old Mutual Rewards Win on Repeat - Over R3 million in prizes: Over R3 million in prizes; grand prize R100 000 in Rewards points | 8.9/10 |
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| 7 |  Chartwell | 8.9/10 |
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| 8 |  Giraffy | 8.8/10 |
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| 9 |  365.bank | Not rated | ReviewCompareSee alternatives | ||
| 10 | Absa Seychelles | Not rated |
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Licensed in South Africa
- Discovery Bank
- Financial Services Conduct Authority (authorised financial services provider)
- Discovery Bank
- National Credit Regulator (registered credit provider)
- Absa
- National Credit Regulator (NCR)
- Absa
- South African Reserve Bank (SARB)
- Old Mutual
- National Credit Regulator (registered credit provider) / licensed financial services provider
- Capitec Bank
- Reserve Bank of South Africa
Browse by category
- Personal loans in South Africa
- Payday and short-term loans in South Africa
- Loans for bad credit in South Africa
- Debt consolidation loans in South Africa
- Lines of credit in South Africa
- Secured loans in South Africa
- Remortgage deals in South Africa
- Car loans in South Africa
- Business loans in South Africa
- Private student loans in South Africa
- Home equity loans and HELOCs in South Africa
- Home improvement loans in South Africa
- Cash advance apps in South Africa
- Buy now, pay later in South Africa
- Equity release in South Africa
- Debt relief in South Africa