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Chartwell Home Loan

20 Year Home Loan

No deposit required, 100% home loans

Easy Administration

Monthly levy,  rates and taxes paid on your behalf and recovered from you as part of your monthly payment

Reduced Upfront Costs

No upfront bond registration costs, transfer fees or transfer duties

No Occupational Rent

Your first payment goes towards your loan

Chartwell has innovated home loan products that reduce the cost of home ownership.

The Chartwell Home Loan


Our objective is to make home ownership more affordable and the process easier. We combine your home purchase and loan agreement into one agreement.


This is achieved by way of an instalment sale agreement. This affords you all the rights and benefits of ownership and complies with the National Credit Act, Consumer Protection Act and Alienation of Land Act.


This reduces the costs usually associated with buying a home. Our approach and qualifying process is transparent, helpful and friendly, and is supported with online education. Learn more about us.

Chartwell Home Loans. Financed by Emerging Markets Home Loans, a registered credit provider.

Documents Required

A certified copy of your South African ID

Your last 3 months payslips [If you receive regular overtime or commission, we need 6 months’ payslips]

Your last 3 months bank statements [If you receive regular overtime or commission, we need 6 months bank statements]

Proof of your current residence (a monthly rental statement)

Additional Documents if you are Married

A certified copy of your spouse’s South African ID

Your spouse’s last 3 months payslips

Your spouse’s last 3 month bank statements

A copy of your marriage certificate