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Finance

Home Loan

Tailored finance with a leading international Private Bank – apply now to get up to 100% finance on your home.

Start your Private Banking journey
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Need a home loan for that perfect property?

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HOME LOAN FEATURES

Finance for multiple uses

  • We finance properties from residential to investment, holiday homes and properties for business use
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WHY INVESTEC

Exceed expectations

Buying or building your dream home, renovating your existing home or looking to purchase an investment property? We’ll help you turn your property dreams into a reality. With your Specialist Private Bankers to assist you, you can be assured of a smooth experience from application to registration.

GET MORE

Rewards and benefits

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.

Earn Investec Rewards points

Earn a minimum of 1 Rewards point for every R2 000 of your outstanding capital balance. Learn more about our Rewards Programme. 

Reduced 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.

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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.

Earn Investec Rewards points

Earn a minimum of 1 Rewards point for every R2 000 of your outstanding capital balance. Learn more about our Rewards Programme. 

Reduced 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.

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

Investec Private Home Loan factsheet PDF 661.44 KB
Building bond factsheet PDF 192.27 KB

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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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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 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. 

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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:

  • Investec using such information to obtain further information from external and public sources and to verify any information through Information Verification Suppliers who may perform background screening checks including checks related to but not limited to, identity, address, income, credit, qualifications, criminal record, employment references and fraud prevention; 
  • 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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By providing information, including Personal Information, to Investec as included in this consent form or otherwise provided by me, I consent to:

  • Investec using such information to obtain further information from external and public sources and to verify any information through Information Verification Suppliers who may perform background screening checks including checks related to but not limited to, identity, address, income, credit, qualifications, criminal record, employment references and fraud prevention; 
  • 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.

Declaration *

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Before you continue, please read our Privacy Policy.

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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A member of the Private Banking team will be in touch soon regarding the next steps.

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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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Learn more about buying a new home
First time buyers guide
First time buyer's guide

Buying a home for the first time? Make sure you’re prepared for the exciting road ahead

First time buyers checklist
New developments

Buying off-plan in a new development has many advantages. Find out more:

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Buying to rent

Looking to buy an investment property to rent out? Here’s what you should know

Tailor-made insurance

Aon South Africa is the insurance broking partner to Investec Private Banking. As the leading provider of high net worth private insurance broking solutions, we have designed a range of well-established unique insurance offerings for individuals and businesses.

Our tried and tested products are arguably amongst the best and most comprehensive in the market today.

Investec Private Banking clients have access to an exclusive range of Insurance products through the Pinion product range. Benefits include:

  • Waiver on the average condition on building cover – Investec bonded buildings will never be subject to under insurance, leaving you and the bank exposed. 
  • Assets all risk cover – A portion of the household contents sum insured extends to all risk cover, this means you don't have to specify personal belongings and the cover automatically extends to accidental damage. 
  • A preferential alarm warranty subject to an excess rather than cover exclusion.
    Aon has access to various specialist insurance products catering for anything from high-value vehicles to art, antiques and jewelry. 
  • 24-hour home and roadside assistance as well as take me home services.

For more information contact Aon South Africa on 0860 746 466 or email investecsales@aon.co.za    

Awards

The Best Private Bank and Wealth Manager in SA

Ranked as the Best Private Bank and Wealth Manager in South Africa for 13 consecutive years, and the best in Africa for Customer Service, by the Financial Times of London.

View all our awards

Financial Times Awards 2025 badges

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.