We are a South African non-profit company, created in 1989 under Section 21 of the Companies Act.

• We were created in response to the reluctance of the financial sector to lend to a perceived high risk housing market.

• Originally established with a combination of grant and loan funding, we have repaid all our loans and have a substantial free-standing capital base.

• We have AA+ ratings from both Fitch Ratings Limited, through their London office. HLGC has a subsidiary insurer, Home Finance Guarantors (Insurance) Limited, Guernsey, Channel Islands.

• Through our insurance licence, we are regulated by the Financial Services Board, and significantly exceed our solvency ratio requirements.

• We operate successfully in more than 705 localities nationally across all cultures, languages and levels of literacy.

The Board

The HLGC is enhanced by the manifold skills of a Board of Directors comprising specialists in business, insurance, law, development, education, human resources and finance.