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Home Loan for first-time buyers

Consolidate the costs of buying a property into one loan

Start your Private Banking journey
Two individuals engaging with a laptop and a credit card, possibly involved in an online transaction for a first-time home buyer.

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?

Apply now

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

Rewards and benefits

Earn Investec Rewards points

Earn a minimum of 1 Rewards point for every R2 000 of your outstanding capital balance.

Expert advice and guidance

Specialist Private Bankers to assist and guide you through the entire process of purchasing a new home making it simple and seamless.

Save on monthly admin fees

We’ll waive your monthly financing administration fee if you pay your monthly home loan repayment by debit order from your Investec Private Bank Account.

Discount on attorney fees

Get a 40% discount on the bond attorney’s fees.

Complete home loan protection

Investec Life's Enhanced Mortgage Protection Cover settles your home loan upon death or permanent disability. Investec Bank Limited will cover the first three premiums on a new policy – at no cost to you.

Exclusive insurance cover

Access to exclusive homeowner’s cover and household contents insurance through Aon South Africa. Enjoy extra benefits such as 24-hour home and roadside assistance, as well as a take-me-home service.

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Earn Investec Rewards points

Earn a minimum of 1 Rewards point for every R2 000 of your outstanding capital balance.

Expert advice and guidance

Specialist Private Bankers to assist and guide you through the entire process of purchasing a new home making it simple and seamless.

Save on monthly admin fees

We’ll waive your monthly financing administration fee if you pay your monthly home loan repayment by debit order from your Investec Private Bank Account.

Discount on attorney fees

Get a 40% discount on the bond attorney’s fees.

Complete home loan protection

Investec Life's Enhanced Mortgage Protection Cover settles your home loan upon death or permanent disability. Investec Bank Limited will cover the first three premiums on a new policy – at no cost to you.

Exclusive insurance cover

Access to exclusive homeowner’s cover and household contents insurance through Aon South Africa. Enjoy extra benefits such as 24-hour home and roadside assistance, as well as a take-me-home service.

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.

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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

Your Private Banking journey starts here

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Thank you for considering Investec Private Banking.

Based on the information provided, you do not currently meet the qualifying criteria for Investec Private Banking.

❋ To qualify, you need to earn more than R800,000 a year if you’re 30 or older, or more than R600,000 a year if you’re under 30 and hold a recognised qualification. Lower income thresholds may apply for certain qualifications.

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  • Investec processing such personal information in accordance with Applicable Laws and Investec’s Data Protection Statement; and 
  • Investec using such information to create a personalised experience in respect of products, services, and other offerings which Investec believes may be relevant and beneficial to me. 

I warrant that all information provided to Investec as included in this consent form or otherwise provided by me is true, accurate and complete in every aspect.

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Before you continue, please read our Privacy Policy.

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By providing information, including Personal Information, to Investec as included in this consent form or otherwise provided by me, I consent to:

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  • Investec processing such personal information in accordance with Applicable Laws and Investec’s Data Protection Statement; and 
  • Investec using such information to create a personalised experience in respect of products, services, and other offerings which Investec believes may be relevant and beneficial to me. 

I warrant that all information provided to Investec as included in this consent form or otherwise provided by me is true, accurate and complete in every aspect.

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If you need any assistance with your application, you are welcome to call us on +27 (11) 291 3803 or email ApplicationAssist@investec.com.

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To qualify, you need to earn more than R800,000 a year if you’re 30 or older, or more than R600,000 a year if you’re under 30 and hold a recognised qualification. Lower income thresholds may apply for certain qualifications.

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FOCUS INSIGHTS

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Statutory information

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