Home loans for first-time buyers
Consolidate the costs of buying a property into one loan
Young professional couple in their first home

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.

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.

Sending...

Please complete all required fields before sending.

Thank You

We will be in touch.

Sorry there seems to be a technical issue

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.

couple on a couch together
swirl

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
Choose your repayment term
Convenient access to funds
Flexible repayment options
For Investec Private Bank Account holders

100% bond including costs

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

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

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

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

For Investec Private Bank Account holders

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

swirl

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.

Sending...

Please complete all required fields before sending.

Thank You

We will be in touch

Sorry there seems to be a technical issue

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.

Young lady moving into her new home

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

Young couple sitting in their new home surrounded by boxes

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.

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

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.

Sending...

Please complete all required fields before sending.

Thank You

We will be in touch.

Sorry there seems to be a technical issue

 


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.

GET MORE AHEAD OF THE CURVE INSIGHTS ON INVESTEC FOCUS

{[post._title]}

You may also be interested in
 

Private Bank Account

Mortgage Protection Cover

Save on monthly admin fees

Statutory information

Investec Private Banking, a division of Investec Bank Limited registration number 1969/004763/06. A registered credit provider registration number NCRCP9.