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SA HOME LOANS






                                          VISION
                                          To be SA’s most trusted home loan provider by putting
                                          our clients first and providing an amazing experience in
                                          their home ownership journey.
                                          OUR OFFERING
                                          We are passionate home finance specialists that offer
                                          competitive products and an amazing experience to make it
                                          easier for our clients to achieve their home ownership goals.
                       CEO:               KEY PERSONNEL
                     Rob Kelso            CEO: Rob Kelso
                                          COO: Zakheni Dlamini
       Full Name of Company: SA Home Loans (Pty) Ltd  CFO: Matthew Mutch
       Nature of Business: Financial Services Specialising in   Head of Sales & Distribution: Mike Rees
                                          Senior Manager Marketing: Carmen Hockey
       Home Loans
                                          CONTACT DETAILS
       Services / Products: Home Loans, Insurance, Personal
       Lending, Further Lending, Life Insurance  HEAD OFFICE
                                          Physical Address: 2 Milkwood Crescent, Milkwood Park,
       Date Established: Founded in 1999  La Lucia, 4051
       Customer Base: Hard working South African families  Tel:  +27 31 576 5901 (Switchboard)
                                              0860 2 4 6 8 10 (Contact Centre)
       No. of Employees: 904              E-mail: marketing@sahomeloans.com
       B-BBEE Status: Level 1             Website: www.sahomeloans.com

       A KZN AND SOUTH AFRICAN SUCCESS STORY   than  300,000 South Africans  and their families to
                                          become homeowners.
       Our Backstory                      Pioneers In The South African Debt Capital Markets
       Founded in 1999 by a group of ex-bankers from   A cornerstone of the business model was a belief that
       Durban-based NBS Bank, SA Home Loans has over   SA Home Loans could develop a platform to directly
       the past 25 years firmly entrenched its position in the   fund home loans at scale, allowing it to compete with
       financial  services  landscape  as  the  country’s  largest   the banks who funded their lending from customer
       non-bank mortgage provider, and a significant   deposits. To do this SA Home Loans pioneered a
       participant in its debt capital markets.  funding model known as “securitisation” in South
       At the time of its formation South Africans were facing  Africa. The successful launch of its first securitisation in
       difficult times financially, with the Prime interest  2001 – named ‘Thekwini Fund 1’ in acknowledgement
       rate at 23%, an all-time high. SA Home Loans’ entry  of its Durban heritage – was a milestone not only for
       into the market brought much needed competition  the company but the industry.
       to the traditional banks and choice for consumers.   This securitisation model for the first time provided
       With its team of dedicated home loan specialists and   a mechanism to successfully connect the capital
       an  innovative suite of  products it  was  quickly  able   held in the country’s pension and investment funds
       to establish itself in the market, saving consumers   directly to the housing market to the benefit of
       money through discounted interest rates and the   many South Africans. As the first retail lender to fund
       ability to easily switch their home loan to access cash   itself at scale through securitisation SA Home Loans
       or secure a better deal.
                                          today retains its role as the leading securitisation
       SA Home Loans soon built a strong national brand  issuer in the market – having raised more than
       and nationwide branch footprint enabling more  R90 billion through its multiple award  winning
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