Early access

Get access to a home
loan up to 5 years sooner.

Lowest initial payment

Start with lower repayments
that increase according to salary.

Guaranteed repayments

Repayments stay the same
if your salary doesn’t change


Save on your initial monthly payments

Wealth Creation for retirement

Invest in your golden years and be sure you’re taken care of.

Great value for future generations

Leaving something of value for generations to come.

1 year retrenchment cover

Your instalments are paid on your behalf for 1 year, in the event of retrenchment.

Life & disability cover

Your outstanding home loan balance is settled on your behalf, in the event of death or permanent disability.

Initiation fee capitalised

For when you cannot afford paying the initiation fee upfront.

How it works

HiP was established as a means of providing a housing finance solution for low to low-middle income earning South Africans. HiP enables people to buy an ideal home today, by taking into account your future earnings potential.

How do I know I qualify?

To qualify for a home loan with HiP Housing, you will have to make sure that you meet the following requirements:
  • In full time employment (not self-employed)
  • 24 months permanently employed. The period can be combined with current and previous employer.
  • A South African citizen
  • Between the ages of 21 and 40. Older ages may also apply and are considered on merit
  • Earning a gross income of between R3 500 and R30 000 per month
  • Cleared by the credit bureau
  • Wanting a loan between R100 000 and R950 000

Quick Affordability

Our Quick Affordability Calculator helps to determine an estimate of your loan amount and the monthly instalments you will be required to pay. Make use of this calculator and see what you qualify for!


Please note that the calculator gives you an estimate and may not be the exact amount you receive for your loan. For further information, be sure to fill in an application, and one of our consultants will get back to you!

Calculate Your Rate

Interest to pay:
Total you will pay:

Calculate Your Rate

1 months
12 months
Interest to pay:
Total you will pay:
HiP Housing | Home Finance Solutions Provider HiP Housing | Home Finance Solutions Provider
House Cost
Household Income

Affordability Indicator Calculator

Maximum income of R30 000 is allowed per applicant. Maximum of 2 applicants allowed per application. Joint income of R60 000 allowed.

House cost
Estimated Monthly Payment
Required Income

The calculator used to indicate affordability is a quick computation to give you an idea of the home loan amount we might be able offer you. Give it a try and see how much you may qualify for. After that we'll help you complete and submit a full application to get the home loan application process underway. HiP is a registered home loan credit provider and not a financial services provider. HiP gives no warranty, express or implied, as to the accuracy, reliability and completeness of any information, formulae or calculations provided through the use of the affordability calculator and does not accept any liability for loss or damage of whatsoever nature, including indirect or consequential loss, which may be attributable to the reliance on and use of the calculator.

Let us call you back
Leave your phone number and one of our consultants will call you back.


You can now afford your new home.

Apply for a home loan from HiP today.