SA Home Loans
Reviews and Complaints

I have submit a full complaint to [protected]@sahl.com wherein I complaint about the treatment and unsuccesfull application for further lending or readvance.

Espeically the fact the consultant and credit checkers not going out of their way to help us as clients. The fact that that some of the info they obtained was incorrect. Its just sad that they do n proper job when it comes to client services. I pointed out some of the information which was incorrect and the consultant did not even bother to revisit the application process. Ita not like we we are going to steal money or something. We just need help especially in this times. We have paid the installment for the bond every month but this is the way we are treated.

We want assistance to better our circumstances and thats also the main reason we brought our bond over because we believe in SAHL. But reading bad things and bad reviews going through bad treeatment ourselves... Is very sad

Ms Theka and Mr Mojela 6139834 we requested for further landing of R30 000. We are really not satisfied with the unfair treatment we get from SA HOME LOANS further Landing process... we plead with you to take out matter to Ombudsman now because they are not taking our complaint serious. 1. We requested money to renovate the house while we realise our house have some cracks that need waterproofing, so we put in the Request for an amount of R30 000 so that we can fix the house because we don't have that money
2. Their respond was they need Waterproofing certificate of which we told them that the money we requesting is for renovation now they want us to spend the money that we don't have, they saying we must go make credits and do waterproofing while we want to have credit with them again, so they are expecting us to have 2 credits while we are landing money from them to fix the cracks it's so unfair and it doesn't show Any common sense from them. we are landing money from them but they still expect us to land further please intervene because now we are excalating this matter it's been months this dragging around

Ms Theka and Mr Mojela 6139834
We are not happy with the current Further Landing Declined because the reasoning doesn't make sense at all. We tried to explain that the areas on Mr Mojela it's due to facts that we just finished paying the car and the outstanding balance of 42 000 was cleared but we tried to explain to Andile about that sand he doesn't listen and he become rude. We find it unfair that you refused us with further lending while we never miss any bond repayment months and the errors that is sorted out. Your offering people lending who are on credit bureau but we never miss payment since we started working with you. The rain it's coming now our house cracked and it can't survive the rainy season you can send the evaluator to come assess or must we claim on insurance policy. Your decline reasons are so unfair to us and am really disappointed with you because we never jumped even once on that errors, it's just now while we're making settlement agreements.

Good day,

My wife once again this morning, called SA Homeloans to follow up on our claim that we registered on the 20th of December 2020 for our swimming pool pump of our property in Gauteng, that is not working. Their lines were noisy and she could not hear the name of the Indian lady she spoke to. The line cut after a while. She thought the agent would at least call back, however this never happened. On two previous occasions, both wife and myself followed up on our claim. The agents promised that they would follow up and would call us back, however this never happened.

Although we have proof that we did register the swimming pool pump and that the agents received our e-mails, they still argue that they have not received our claim.

All we are trying to do, is to get an assessor to attend to our claim. We are paying for a service which we are not receiving. All we need to know, is when we can expect the assessor to go out to the premises.

We have provided both our contact numbers as well as our tenant's contact numbers and we have send numerious e-mails and made follow up calls, however with no joy.

SA Homeloans fail to deal with our claim adequately and our tenant has got to a stage where they are threatening to terminate the lease agreement as the swimming pool is costing them money, because the pool is green and full of algae because of the delay. They refuse to spend more money to keep the pool blue. Should we lose our tenant because of the claim not being attended to, we will have a huge loss of income.

We are therefore appealing for assistance in finalising the claim. We are awaiting urgent response.

Kind regards

Mr and Mrs Botha

On Friday night there was water running from my dining room ceiling. Iclimb into the ceiling and found that the drip tray of the geyser had water in it and that the drip tray is hanging on the one side wich is causing the water running onto the sealing. The water is leaking from the geyser. I closed the water, switch off the geyser and empty the tray with a cup and bucket to prevent further water damage. I Phoned the insurance department and was informed that a service provider will be asigned to the problem
Saterday Morning I phoned again due to I did not received a notification as yet. I was given the ref number over the phone. Saterday later during the day I phoned again because I was not contacted by a service provider for any arrangement to come and do repairs or replace the geyser. I was put on hold while the service provider was contacted and afterwords I was told that the service provider will contact me and today is Sunday and I haven't received a call from anyone recarding this claim.

I'm disapointed due to i'm still without hot water. This is also not the first claim on this geyser. Not long ago the thermostat and element was replaced by JJ Plumbing due to the geyser was not heating and also caused my prepaid meter to go into tamper mode.

My bond was reassessed by SA Homeloans and then came back as unsuccessful due to my retrenchment. The attorneys they refered me to is now refusing to pay back my lodgement fees of R12000. I contacted SA Homeloans and informed them about it and they have not assisted me in getting my money back eventhough ESI attorneys are their lawyers and it was their job to inform the attorneys that lodgement cant take place. It is also their duty to get my money back seeing it is their attorneys and this is unforseen circumstances.

I am very disappointed with SA insurance poor customer service, they don't provide feedback on claims till a customer calls them several times. I am now wondering if SA home loans will ever approve the claims I am submitting. This is pathetic and it's like we are paying for nothing. I want to cancel this insurance and join other service providers. I am fed up with SA insurance.

I am also considering switching the bond to another bank.

So we contacted them for what I thought was a leaking geyser... They sent an assesor from jj lourens to do assessment. The assessor turned off inlet tap to geyser, said pressure valve. Thermostat and element needed replacing. That was friday. Saturday I noticed the leaking was worse and my gut feeling was really not good. Tbeir guys rocjed up and within 1 min told ne geyer was burst. They were just going to replace geyser without insurance approval... No way will I pay the excess twice. I told them to leave the property. They emptied the geyser and disconnected the inlet pipe from the geyser... 21h00 and there is water coming out of the light switch in our children's room. No answers from tbe 24hr service at jj lourens. Funny how protected they are... Here is the video of the water running down the wall. The next assessor said it was not their fault... This was after the initial assessment. Still no geyser going on 3 weeks. There was water coming out an electric light switch after they had been and it is not their fault. All I ask is that jj lourens answer why they disconnected the inlet pipe and why they did not inform us. What price do they pay for doing this...

To Whom It May Concern:

This correspondence serves to register a formal complaint against an SA Home Loan Property Finance Consultant by the name of Claude Naidoo (with cellphone, +27 73 944 0657 for intentionally providing me with false information regarding my home loan application. Furthermore, for providing client information to a third party. The false information led to me loosing a deal with Standard Bank.

It is requested that relevant action/sanction be taken against aforementioned person to protect the rights of consumers.

Thanking you in advance.

Best regards,

LN Masiza
Cell: +[protected]

Mr A and Mrs D Muller - Account Number 3572977

Our application for a further loan of R152 778.47 was declined due to the following reason:

Inadequate life cover to cover the outstanding balance on the home loan on our retirement

Mr Muller Transnet Retirement Fund Benefit currently stands at R5 220 637.65 and the death benefit at R7 237 538.38

Mrs Muller provident fund at retirement age equals R140 000.00

All the proof of the above was submitted together with our application.

Mr Muller will retire at the age of 63 which means his retirement benefit will be well in excess of R6 000 000.00 which is more than sufficient to cover the outstanding home loan balance should the further loan application be approved

Please assist by looking into this matter and to provide us with URGENT feedback.

Thank you

Kind regards

My account number with SA Home Loans is 2188778. On Friday, 16 August 16, 2019 1:26 PM, I sent an email to SharendraR@sahomeloans.com to request a settlement figure so that I could cancel my bond. I received no response. I then forwarded the email on 20 August to admin@sahomeloans.com for a response. I received no response. That same day, I phoned SA Home Loans in Durban about it. It was a bad line and the woman to whom I spoke at around midday (I didn't get her name) promised to email me the information right away. I received nothing. I then forwarded the email to the Fourways branch as that is where I signed up with SA Home Loans (sahljhb@sahomeloans.com). I have still not received a response. I then tried to phone the Fourways office and was cut off.

The desirable resolution of the complaint is that I want to cancel my bond by paying it up in full and I need to know what this involves. For example, I think I need to obtain a settlement figure and then to complete and return a Paid UP Home Loans option form. Is that correct? Please could someone contact me on [protected]@gmail.com to provide me with the settlement figure and whatever else is required. Thank you. Best wishes, Karen Paul

Sa home loans, they a special bunch I tell you, quickly to lodge judgement's against default payments yet when it comes to refunding closed accounts they take their own sweet time.

So much for having a service schedule which speaks to refunds are completed within 7 working days, 18days later still no refund processed.

People take your business somewhere else because this company is fool of... Ish

On the 10 of January I logged a claim and got immediate response advising me of my claim number CL4302018 that I must contact Victor Van Der Merwe who is my claims handler.
I have sent two emails to him, he has read requested these emails but does not respond to them at all. it is now 13 days and no response!
I called again today and spoke to Sue who has sent an email.
Please can I get a response from someone?
The front beam got water damaged on the 1 Jan 2019 due to the storm and heavy rain and we have had to replace it as i cannot be without this beam as crime in our area is very bad.

I took out a home loan with stander bank 2007 with the total amount of 306000, i've been staying and paying my bond for the past 11 years without any fail, when I check on my statement what my current balance is, it stated that i've only paid 37, 000 back on my bond for the past 11 years. I went to the branch just to find out there was no consultant in the home load department for existing owners you have to use the telephone backing in the back
Got hold of a consultant after waiting for an halve a hour on the phone to be assisted, my query was escalated to a senior as the consulted I spoke to could not assist, I was promised I will receive feedback via email as they needed to investigate, till this hour I haven't received any.

CL 4292654 was registered the 3 of September .Shavonne is the person handling this. Very little if any feedback was given and today i found out that the only quotes they have is the one i got. Non of the services providers they sent, 3 in total, came back with a quote . The issue is that my safety is in jeopardy because it is our security gate that must be replaced. Also my roof was damaged in a srorm and ererytime it rains my ceilings get damaged. Why am i paying for this tipe of service?
Riaan Louw

Id no - [protected]
W Els

I have applied for a further bond or loan and was called and told it has bee rejected no further details were given. If this is due to credit ref or the amount or what so ever why not give your customer an X amount for what they qualify for or a professional letter of the final decision made and why..

Please provide with feedback thanks...

I've never been so pissed off at any one as I am at you guys. My wall is breaking because of a tree outside my property. The municipality refuse to take down the tree due to pollution in the vaal and you refuse to rebuild my wall. I pay my loan every darn month and you just take and take. That tree has been there long before I moved in and now its my fault. How can you be so cruel not to even pay out something for the damage? Ive already paid R30 000 in insurance over the few years but you refuse a darn R10 000 rebuild of my wall. Well you just suck! Im switching my loan to another bank who will assist me.

Gives only information bit by bit so that each step in the process is delayed by a few days. My claims handler was Primeshni Govender. She never contacted me until I complained about it. She blamed the other consultants for her lack of communication by saying that they should have given me the information. I logged my claim on the 29th June 2018 and the first consultant was very friendly. I got no response from Govender, so I called the assessment company on the 2nd Jul, which helped me the same day. I e-mailed Govender on the 3rd of Jul for an update and got no response. However I did get an sms on the 4th Jul to tell me I have an appointment, which I set-up on the 2nd Jul (hmm back dated 2 days lovely). I then call on the 5th Jul to find out what the verdict is and all of a sudden the consultant (not Govender) says I need proof that the repairs has been completed. I was so disappointed because no one until this time told me I needed proof of repairs. I told them that I was in a hurry because I was renovating my entire kitchen and the people was to start breaking down. I then asked what kind of proof and they said an invoice. So the same day, I sent the proof. Hoever, they can not send me the assessment amount for some reason (if it was below the amount the delays was costing me I would have cancelled the whole process). I then send Govender an e-mail the 9th Jul to please confirm she got the proof of payment for the repairs and to let me know when the claims assessment will be completed. Yet again I get no response. So I called again and the claim is approved but they still can not give me the amount but oh because I want to go with my company for the repairs I am required to give them a quote from my company. They still can not give me the amount because the exact words used "so they can compare the quotes", simply implying if the quote is below their assessment company's quote then they will pay the lower amount or if it is higher then they decline my company's quote. What a load of bull. Then I tell Govender I want to complain about this service, her lack of communication and the delays it has caused me. She says she will listen to the call recordings. I told her that that means nothing to me because it will not change the outcome or prevent it in future. She says but my complaint is not valid and she needs to listen to the calls. I told her that she can not tell a customer that their complaints are not valid especially when the customer can not verify the calls. Also her superiors should know about the lack of service I have been getting from this consultant in particular.

Last month my wife and i decided to try and buy a new bigger house and contacted SA Home loans, as our current house is financed through you. We got through to a Shaun Pillay who started the process of acquiring all of our documentation. We thought that all the documents were in order as we had not heard anything back from Shaun. We called a week later to see how things were progressing only to be told that there were still outstanding documents. Utterly frustrated due the lack of communication and follow up we sent through the required documents. From there on my wife and i had to CONSTANTLY follow up or we would get no feed back. Every time we called we were told one or other department had the forms and we would have an answer the next day, and after following up time after time we were told that there was always something wrong after being assured on numerous occasions that all was in order. Finally we were told we were declined with no further explanation or possible steps that could be taken to further assist us as i made it clear we had a deposit as well as cash that could cancel a certain amount of debt that could assist i just needed to know what amounts i needed to settle to assist from the possible sale of my house. I called Head office to vent my frustration and made contact with a team leader "Fazal" who listened to what i had to say and looked over our application. He picked up discrepancies with amount that was put on our expenses under insurance that we had no knowledge of as well as validated by bank statements as it was not there. He said he would take it back to Shaun's team leader and ask them to review it and get back to me. This was Wednesday 5/06/2018, i called 7/06 to ask Fazal if he handed everything over to which he assured he did and would go there now to ask them to call me. Yet another day has passed and still no one has contacted me. My offer to purchase expires tomorrow 09/06/2018 and i am EXTREMELY disappointed by SA home loans lack of ability to communicate with potential home buyers. I will NEVER recommend SA Home loans to any one if this is the level of service that is to be expected in an already stressful situation of buying a house, and then having to deal with such incompetence. If we don't qualify great say so, tell us why and then explain if we had settled X, Y or Z it would be affordable can you do that and at least we know what our way forward will be. We are currently busy with one of the major banks and they have above and beyond exceed what is required of them and should we get the bond the second i have sold my house I will pay the 335k i owe to you and close my home loan with you with immediate effect. All i have asked for is feedback with information regarding my application and the amounts that no one can explain that's been put on my expenditures sheet.

I want put in a formal complaint against Adrian Roodt, he works at the Kenilworth branch. We have been struggling for about 2 weeks to get an answer on a loan. He does not answer our calls/ emails or messages. He promises to have answers for us the next day, and when we contact him, he ignores our calls. I will never work with SA Homeloans or even recommend. The Office is not even answering as well. It is very pathetic service