Bank Lending Profiles
| Bank | Max LTV | Income Multiplier | Deposit Required | Notes |
|---|---|---|---|---|
| FNB | 105% | 30% DSR | 0% for first-time buyers | Strong appetite for professionals and first-time buyers |
| Standard Bank | 100% | 30% DSR | 0–10% depending on risk | Stable lending; prefers clean credit history |
| ABSA | 105% | 30% DSR | 0% for qualifying clients | Aggressive on first-time buyers |
| Nedbank | 100% | 30% DSR | 5–10% for higher-risk clients | Conservative on self-employed applicants |
| Capitec Home Loans | 100% | 30% DSR | 0–10% | Powered by SA Home Loans; flexible underwriting |
| Investec | 100% | 40% DSR (professionals) | 0% for qualifying professionals | Premium lending for high-income earners |