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My husband and I are at the point where we would like to buy a home. Currently we both work and are making a lovely income but we are sure that in a few years we would like to start a family. With that being said, we would like our first home to have options in the mortgage. I am researching Absa home loans so that we can find a mortgage that will change with our needs. In a couple of years when we need to cut back on the payments or apply for more credit for additional rooms on the house, I would like it all to be covered in our loan.