Own your dream with confidence
Buying or building a home is one of the most important decisions you’ll make.
Our Home Loan solutions are designed to support you at every stage — whether you’re buying your first property, upgrading, refinancing or investing.
What you get
Buying or building made easy
- Up to 105% finance for loans up to P3 million
- Finance available to purchase your property or plot and build the home you envision
Standard Home Loans
- Up to 90% finance for loan amounts up to P10 million
- Suitable for purchasing a property, building or renovating your home, releasing equity, or switching your existing bond to Absa
Loan structure
- Maximum repayment term of 30 years (linked to retirement age)
- Competitive interest rates linked to the Absa Prime Lending Rate
- Structured instalments based on affordability
Additional benefits
- Equity release based on updated property value
- Qualifying Home Loan customers may access additional financing for solar through our Absa Green Energy solution
- We offer tailor-made insurance solutions for you and your property: Credit life insurance, Household contents cover, Retrenchment cover
Eligiblity requirements
- Available to permanently employed, contract-based and qualifying self-employed applicants
- Open to both new and existing Absa salary account holders
- Monthly instalments deducted via stop order
- Subject to credit and affordability assessment
Calculate your loan Let us contact you
Multi-residential property loan
Build additional income. Build long-term wealth.
Looking to expand your income through property? Our Multi-Residential Property Loan supports salaried and qualifying applicants who want to invest in rental-generating properties.
Whether you’re building your first rental units or expanding your property portfolio, we provide structured financing aligned to sustainable income growth.
For individual rental opportunities
- Maximum loan amount P5,000,000
- Maximum loan tenor 240 months/20 years
- Minimum 3 residential units required
- Loan-to-value (LTV) ratio:
- 85% for Purchase
- 70% Construction
- 60% Equity Release/Refinance
- Rental income must be paid int an Absa account
- Limited to following locations:
- Southern Region: Lobatse, Kanye, Jwaneng
- Gaborone and Surrounding
- North and Central: Mahalapye, Palapye, Serowe, Selebi Phikwe, Tonota, Tati Siding, Francistown. Borolong, Maun, Letlhakane
- (Orapa ), Kasane, Kazungula
Requirements
- Available to credit-worthy salaried and qualifying applicants
- Affordability assessed using salary and verified rental income
Need more help?
Call us on:
+2673159575 (Contact centre)
0800 600 444 (BTC Toll Free)
150 (Mascom Toll Free)
Email us:
Botswana.CustomerService@absa.africa
