Prime less 2%

Apart from negotiating a favourable rate with your bank, one can use one's retirement fund as collateral. Specialised serviced group GlenrandMIB offers a product called Amhlope. By means of a tripartite agreement between employer, employee and Glenrand the pension fund is used as collateral for a home loan and Glenrand is entitled to deduct repayments from an employee's salary before he/she gets paid.

Article on Moneyweb