John Warlock
In August 2025, the Department of Human Settlements will launch the R1,400 Mortgage Relief Scheme, offering monthly support of R1,400 directly to qualifying mortgage lenders on behalf of eligible homeowners.
The scheme runs from August to December 2025, helping ease the financial strain of mortgage repayments amid rising costs of living and interest rates.
Who Qualifies for the R1,400 Mortgage Relief?
Eligibility criteria are tailored to reach low- to middle-income homeowners
- Must be a South African citizen or permanent resident
- Applicant aged 18–65 years
- Own a primary residence with a registered mortgage from a licensed SA bank
- Household monthly income between R3,500 and R25,000
- Mortgage arrears must not exceed 90 days
- Not receiving any other government housing subsidy simultaneously
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Scheme Benefits & Disbursement Details
- Relief amount: R1,400 per month, paid directly to the mortgage lender
- Duration: August through December 2025, subject to extension
| Feature | Details |
|---|---|
| Relief Amount | R1,400 per month |
| Duration | August – December 2025 |
| Disbursement Method | Direct payment to mortgage lender |
| Eligibility Income Cap | R3,500 – R25,000 per month |
| Loan Status | No more than 90 days in arrears |
How to Apply for the Relief Scheme
Applications open early August 2025 via
- Department of Human Settlements online portal
- Designated Human Settlements offices
- Participating bank branches handling the homeowner’s mortgage
Required documents
- South African ID or citizenship permit
- Latest mortgage statement
- Proof of income (payslips or bank statements)
- Utility bill or lease agreement for residence verification
- Current mortgage status showing arrears ≤ 90 days
On approval, the subsidy is applied automatically to the mortgage account each month.
Impact & Importance of the Scheme
This financial relief serves as a buffer against rising prime interest rates and economic instability. Key benefits include:
- Reduced household financial stress
- Lower risk of foreclosure or eviction
- Improved credit reputation via consistent mortgage servicing
- Support particularly for first-time buyers and public sector employees under pressure
The scheme is aligned with broader government goals to safeguard housing stability across socio-economic groups.
The R1,400 Mortgage Relief Scheme launching in August 2025 represents critical interim support for qualifying South African homeowners, cushioning monthly repayments during economic volatility.
With straightforward eligibility, streamlined application paths, and direct lender payments, this programme helps ensure home retention across low‑ and middle‑income households.
Prospective applicants should prepare documents, apply early, and monitor their mortgage status to secure relief without delay.
Frequently Asked Questions (FAQs)
1. Is the R1,400 subsidy paid to me directly?
No. Funds go directly to your registered mortgage lender, reducing your outstanding balance or monthly instalment.
2. What if I’m behind on mortgage payments already?
You may qualify as long as mortgage arrears do not exceed 90 days, encouraging timely repayment without further default.
3. Can I receive this if I’m already receiving another housing subsidy?
No. You are ineligible if receiving any other government housing subsidy simultaneously during the scheme period.