Home loans for first-time buyers

Buying your first home is a big step. It’s not one you want to take alone. If you’re looking to make the move, get the expertise, finance and flexibility you need.

First-time home buyer?

Make the move to an Investec Private Bank Home Loan – you won’t be alone in the process, your Private Banker will be with you step by step.

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By submitting this form, you give Investec permission to perform a credit check on you. Please see our Privacy Policy.

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Please read Investec's website privacy policy and data protection statement before proceeding. By clicking on the ‘Next’ button, I understand that due to the nature of my request, the information in this form will be directed to the appropriate teams at Investec, so that my request may be processed in the most applicable manner.

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By submitting this form, you give Investec permission to perform a credit check on you. Please see our Privacy Policy.

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Please read Investec's website privacy policy and data protection statement before proceeding. By clicking on the ‘Next’ button, I understand that due to the nature of my request, the information in this form will be directed to the appropriate teams at Investec, so that my request may be processed in the most applicable manner.

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Features of Investec Private Home Loan

You’ll get a 100% home loan with no deposit at a competitive rate

You can finance any transfer costs into your loan

Your credit assessment is based on you and not on a scorecard

You’ll pay no monthly service fee if you pay your loan from your Private Bank Account

You’ll receive a discount on bond registration fees

You can choose payment terms of up to 30 years

You can choose efficient home-loan protection cover from Investec Life that adjusts according to your home loan.

You have flexible access to capital or extra funds 

You can use Investec Online to access funds or make payments

Not an Investec Private Banking Client?

Partner with the international award-winning bank of high net worth individuals.

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Full access with a flexible facility

Our home loan responds to your needs – put extra funds in when you can, access those extra funds when you need it.

Space to move things around

 

Your repayments will be made up of both capital and interest over the term of your Investec Private Home Loan.

 

And you can access the capital portion of the loan value once a year, every year, for the first five years – and at the same rate.*  We call this our Unutilised Benefit and it’s designed to help you use your loan to its fullest potential. 

 

*Subject to meeting certain qualifying criteria

Room to breathe

If you pay more than your monthly minimum, you will save on interest and so much more.
 

If you pay extra into your loan, you can reduce your monthly payments, pay it off sooner or keep those extra funds available if you need it – you choose.

Protect now, pay later

If you have a Private Bank Account, you have the option to get three months home-loan insurance on us, with Mortgage Protection Cover from Investec Life.
 
Exclusive to Private Banking clients, you have the comfort of knowing that should you pass away, we’ll automatically settle your outstanding Investec Private Banking home loan.

First-time home buyer?

With Investec, you’ll get a tailored finance solution that meets your requirements as a first-time home buyer – whether you’re single, married, or making the move with a partner.

By submitting this form, you give Investec permission to perform a credit check on you. Please see our Privacy Policy.

An official type of identification is required to perform credit checks. Please complete the fields below.

Please read Investec's website privacy policy and data protection statement before proceeding. By clicking on the ‘Next’ button, I understand that due to the nature of my request, the information in this form will be directed to the appropriate teams at Investec, so that my request may be processed in the most applicable manner.

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By submitting this form, you give Investec permission to perform a credit check on you. Please see our Privacy Policy.

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Please read Investec's website privacy policy and data protection statement before proceeding. By clicking on the ‘Next’ button, I understand that due to the nature of my request, the information in this form will be directed to the appropriate teams at Investec, so that my request may be processed in the most applicable manner.

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By submitting this form, you give Investec permission to perform a credit check on you. Please see our Privacy Policy.

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Please read Investec's website privacy policy and data protection statement before proceeding. By clicking on the ‘Next’ button, I understand that due to the nature of my request, the information in this form will be directed to the appropriate teams at Investec, so that my request may be processed in the most applicable manner.

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Disclaimer

Investec Private Banking, a division of Investec Bank Limited registration number 1969/004763/06. Investec Private Banking is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. Copies of the Code and the Ombudsman's details are available on request or visit www.investec.com. A registered credit provider registration number NCRCP9.

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