During increases in inflation and interest rates, the government established a mortgage relief scheme that will see R1,400 per month paid to deserving low- and middle-income households. The initiative is meant as a temporary relief measure to ease mortgage pressure and set aside defaults throughout the costing last quarter of 2025. The payments will start in October 2025.
What Is the R1,400 Mortgage Relief?
It is a one-off cash payment that has been set up in an attempt to help distressed home owners who may be struggling to comply with bond regulations. The relief applies to persons below an income threshold who have become economically distressed by, amongst other things, loss of employment, high fuel price, or high electricity price. The amount of R1,400 per household shall be deposited into the mortgage accounts of beneficiaries who qualify, or urged to be paid out by the banks where they hold their account.
Who Qualifies to Receive Relief Payment?
For an October 2025 Mortgage Relief recipient applicant to qualify, the requirements shall be the following:
The requirements:
- Must be either a South African citizen or have permanent residency.
- Must hold a registered home loan in an accredited financial institution.
- The applicant should be earning below R27,000 per month as gross household income.
- Applicants have to submit proof of paying their mortgage payments for the last three months up to the day of application.
- Proof of distress could be required, for example, loss of income, retrenchment, or medical expenses.
- Households with children, pensioners, or disabled persons in their care shall be given preference.
Payment schedule for October 2025
The Department of Human Settlements indicated that payments for mortgage relief would commence on 10 October 2025 in phases:
- Between 10 and 15 October: Payments to applicants verified through SASSA-linked systems.
- Between 16 and 22 October: Processing applicants from major banks (ABSA, Standard Bank, FNB, Nedbank, and Capitec).
- Beneficiaries will receive SMS notifications once their application has been approved and payment scheduled. Those whose applications are pending verification will be notified of expected payment windows.
Mortgage Relief Payment Dates 2025
The National Department of Human Settlements has announced that payments will be made in instalments starting from the 10th of October, 2025.Between October 10-15: As payments are made to verified applicants using systems linked to SASSA. 16-22 October: Processing of applicants for Primary Banks (ABSA, Standard Bank, FNB, Nedbank, and Capitec). October 23-30: Final disbursements pending appeal verifications. SMS notifications shall be sent to the beneficiaries from when the application process is approved to the schedule of payment, whereas other applicants will be notified of the expected windows for payments upon pending verification.
R1,400 Mortgage Relief: How to Apply
You may submit your application via the official government website or at any nearest regional office of the Department of Human Settlements. The documents to be submitted are as follows:
- Certified copies of the ID or Passport of the applicant.
- Proof of income or unemployment records.
- Mortgage account statement, standing for less than three months.
- Proof of residence, e.g., utility bill.
- The bank must confirm, in writing, the outstanding balances on the loan.
also read: SASSA R2315 Old Age Grant October 2025: Full Provincial Payment Schedule