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

Massive savings & wealth creation

Save on your monthly payments, while owning wealth.

Guaranteed income 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

Replace uncertainty with certainty when life puts you in a pinch.

Life & disability cover

Be covered should there be loss or disability of the main applicant.

Initiation fee capitalised

For when you cannot afford paying the initiation fee upfront.

How it works

At HiP Housing, our main objective is to assist you in buying the house of your dreams. In doing so, we offer affordable home loans and help with house ownership. Repayments are escalated annually as your future earnings are considered.

How do I know I qualify?

To Qualify for a home loan with HiP Housing, you will have to make sure that you adhere to the following:
  • In full time employment (not self-employed)
  • A South African citizen
  • Aged 21 to 40 years
  • Earning between R3 500 to R30 000 per month (gross)
  • Cleared by the credit bureau

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:
Home Loans | HIP Housing Home Loans | HIP Housing
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.