WHY INVESTEC

Make your homeowner dream a reality

Buying your first property is an exciting time, and a significant investment. But with all the costs to pay and documents to sign, it can all feel very overwhelming. That’s why we’ve developed a home loan offering especially for first-time home buyers.

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Home loan features

Our home loan for first-time buyers gives you flexible finance to tailor your home loan to your needs. Subject to credit approval.

100% bond including costs

  • Your credit assessment is based on you and not on a scorecard
  • No deposit
  • Finance for 100% of the purchasing price
  • Include all transfer fees
  • Up to R5 000 for miscellaneous attorney costs included

Choose your repayment term

  • Structure your repayment term to suit your affordability
  • Choose from a standard 20-year term or a 30-year term to reduce your monthly repayment

Convenient access to funds

  • Access to the capital portion of your repayments once a year for the first five years
  • Immediate access to any additional funds paid into your home loan throughout the term of the loan

Flexible repayment options

  • Reduce your monthly repayment amount, or settle your loan sooner by paying in additional funds
  • An interest-only repayment option for the first two years if you’re under 30 years

For Investec Private Bank Account holders

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

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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.

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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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DOWNLOAD MORE INFORMATION

First-time home buyers factsheet PDF 631.56 KB
Guide to buying your first property PDF 184.6 KB
Checklist for first-time buyers PDF 192.97 KB

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.

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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

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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.

Not an Investec Private Banking Client?

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

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.

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Take the home loan quiz


Watch Lwando test Maps Maponyane on all things home loan.

 


Take the home loan quiz


Watch Lwando test Maps Maponyane on all things home loan.

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