Three girls sitting and eating popcorns on a couch with a blanket in a home bought with the help of FundsAtWork's housing loan guarantee.

Pension-backed home loans

Owning a home is one of the most important financial milestones, but accessing finance can be challenging. Pension-backed home loans makes it easier for employees to buy or improve a home by using a portion of their retirement savings as collateral.

Buy a home or buy land.
Renovate or extend their existing property.
Install alternative energy and water solutions.
Pay off an existing home loan
Cover bond registration and transfer costs.

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A couple standing outside of the door of their new home, watching their two toddlers running inside.

Benefits of our pension-backed home loans

No bond registration costs.
No property assessment fees.
Quick and efficient application process.
Competitive interest rates.
Convenient repayments deducted directly from salary.
Access to up-to-date loan and benefit statements.

How pension-backed home loans work

Before your employees can apply for a pension-backed home loan.

Employers sign a partnership agreement with us.

Employees submit an application together with the required supporting documents.

Loan is assessed and approved.

The loan is paid out.

Payroll deduction is activated.

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Credit and debt behaviour analysis

Not all employees qualify for a pension-backed home loan immediately, and that is where we step in. We walk the journey with them, helping them improve their financial position over time.

Enhance credit rating and financial behaviour.
Prepare for a successful application.
Strengthen affordability and financial stability.
Access to full credit report.