What credit score is needed to buy a house in South Africa?

610+

610+ is the minimum credit score if you want a good chance of home loan approval.

Here’s a more detailed breakdown:

670+ = excellent.
650 – 669 = good.
634 – 649 = average.
610 – 633 = below average.
Below 610 = very poor.

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Ooba home loans services are simply the best. My Consultant Bianca Dancer was so hands on and helpful from the get go. She guided me through the entire process and put me at ease being a first time buyer. I highly recommend their services.

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Estelle Vorster was really helpful in securing the best deal for my home loan, she not only negotiated a lower interest rate she went as far as securing 50% discount on the transfer costs.

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