HLGC NPC is the newly named next generation company born out of The Home Loan Guarantee Company NPC- which had been incorporated on 30th March 1990 under the then Section 21 of the South African Companies Act- in an effort to entice banks to make home loans to lower income South Africans.

Following on from the old adage that "the show isn’t over until the fat lady sings" - The fat lady has sung on the Home Loan Guarantee Company, as we knew and loved her. It is truly the end of an era.


There is little that we can say beyond  "it has been an awesome journey"

We know that we have made an enormous difference to thousands of  lives and had an indelible direct and indirect impact on affordable housing in South Africa. While many, and probably most, who were not part of this journey with us will not be able to join the dots, a large part of what we see in housing policy and practice today stems from  the innovation, thought, discussion, debate, laughter, sweat and tears around the boardroom table of the Home Loan Guarantee Company NPC.

In its heyday, The Home Loan Guarantee Company operated in 705 localities in South Africa, as a registered specialist insurer, with an AA+ rating by Fitch UK and then by Global Credit Rating Agency and  facilitated more than ZAR 40 billion in home loans to lower income South Africans, which equates to more than 300 000 people having tenure.

We did that, and we did it in style.

It has been a privilege to be an NGO that has fulfilled its mandate.

Thank you for joining hands walking this path with us.

We have loved every single second of it, and look forward to the next gripping instalment…….