Zakheni Dlamini is the Chief Operating Officer at SA Home Loans.
For many young professionals, owning a home is a defining milestone – one that represents independence, stability and long-term financial security. Yet, despite steady career growth and increasing earning potential, stepping onto the property ladder can feel overwhelming. Balancing lifestyle expenses, savings goals and other financial commitments often delays the transition into homeownership.
SA Home Loans recognises these realities and, through its Edge Home Loan (Edge), continues to provide an innovative solution designed to make homeownership more accessible, flexible and aligned with the financial journeys of first-time buyers.
Edge is a 23-year home loan that reimagines the traditional repayment structure. For the first three years, clients pay interest only, resulting in significantly lower monthly instalments during this initial period. This structure provides valuable financial breathing room at a time when many buyers are still building financial stability and navigating competing priorities. After 36 months, the loan transitions into a standard 20-year home loan, where both capital and interest repayments apply.
