FINANCE

Home Loan for first-time buyers

Consolidate the costs of buying a property into one loan

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.

Woman smiling and sitting on a ladder with a cup in hand, indoors near a freshly painted blue wall in her first new home.

GET STARTED TODAY

Buying your first home?

Find out how to qualify for an Investec Private Home Loan.

A couple relaxing on a couch in their first-time home in South Africa, with the woman holding a smartphone.

100% bond including costs

Choose your repayment term

Convenient access to funds

Flexible repayment options

100% bond including costs

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 bond 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 as a first-time homeowner
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

APPLYING

Our approach

At Investec, we treat you as an individual, which is why we don’t rely on scorecards to process credit applications. Instead, your application will be assessed independently by our Credit team to determine your affordability.