Personal lending offering
 

Personal lending

Flexible lending tailored to you

You have a clear idea of the lifestyle you desire, but need finance to make it a reality. We offer personal and flexible financing for property, vehicles and lifestyle assets.

You aren’t the sum of your data

We understand that no two lenders are the same and we therefore tailor your lending to determine how much you are eligible for, or under what terms. We cater to each client’s needs and tailor individual terms.

Giving you the best deal

Investec has your interests at heart and will structure your finance to help you maximise your tax and cash flow requirements. Plus, you'll benefit from market leading interest rates. 

Efficiency and transparency

You can expect an efficient, quick approval process. From application to registration, your Private Banker will personally attend to your loan and keep you up to date every step of the way. If you have a query out of office hours, our global Client Support Centre is just a phone call away.

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Home loans

Investec can offer you up to 100% financing on your home loan. Plus the ability to capitalise the registration costs, initiation and valuation fees into your facility.

You get online access to your property finance facility meaning you can reduce what you owe by simply transferring additional funds from your Private Bank Account.

You also have access to the unused portion of your facility once a year for the first five years of your loan.

If you have a Private Bank Account and service your loan from it, you will not pay the monthly service fee (lending administration fee).

Vehicle finance

Whether it’s a new car for private use or a new truck for your business, we can assist with the finance to get you the vehicle you’re after.

You can view and manage your finance online to help you reduce repayments and save interest.

If you buy your vehicle through Bidvest McCarthy, you can earn up to 200 000 Rewards points.

After the downgrade - assessing the effects and the way ahead

After the downgrade

One of the effects of March’s cabinet reshuffle has been the decision by two of the major rating agencies, Standard & Poor’s and Fitch, to downgrade South Africa’s foreign currency rating to sub-investment grade (Fitch also downgraded South Africa’s domestic rating to sub-investment grade). The third major ratings agency, Moody’s, recently cut its ratings, to one above sub-investment grade.

After the downgrade

More finance options for you

  • Medical practice and equipment finance

    Medical practice and equipment finance

    If you’re setting up, buying into, equipping or simply expanding your business or practice, Investec can assist. We offer a range of tailored, flexible products and services, from our Investec Private Business Account for transactional banking to asset finance for your practice. 

    Find out how we can take your practice to the next level
  • Specialised finance

    Specialised finance

    If you want to diversify your investments, or maximise your liquidity, then our expertise and global reach are what you need. Complex financing and transactions are our speciality. We work closely with your tax and legal advisers to address any issues that may arise efficiently. 

    Complex financing and transactions are our speciality

More finance options for you

Medical practice and equipment finance
Specialised finance

Medical practice and equipment finance

If you’re setting up, buying into, equipping or simply expanding your business or practice, Investec can assist. We offer a range of tailored, flexible products and services, from our Investec Private Business Account for transactional banking to asset finance for your practice. 

Specialised finance

If you want to diversify your investments, or maximise your liquidity, then our expertise and global reach are what you need. Complex financing and transactions are our speciality. We work closely with your tax and legal advisers to address any issues that may arise efficiently. 

Finance Rates

Current Financing Rates
    Effective from:
Prime lending rate 10.25% 21/07/2017
Investec Mortgage Bond rate 10.25% 21/07/2017
Investec Private Bank Jibar Linked lending base rate 8.08% 15/10/2017

Contact our global Client Support Centre available 24/7/365