FINANCE

Home Loan

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

A young girl with a smile hugging an adult in their new home, showing happiness after receiving a home loan.

WHY INVESTEC

Buying, building or renovating?

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 dedicated Private Banker to assist you, you can be assured of a smooth experience from application to registration.

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GET STARTED TODAY

Need a home loan for that perfect property?

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

Family enjoying an outdoor braai together at their private home in South Africa on a sunny day.
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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

Up to 100% bond

  • No deposit
  • Finance for 100% of the purchasing price

Capitalise costs

  • Capitalise the registration costs, initiation and valuation fees into your facility.

Access to funds

  • Access the capital portion of your repayments once a year for the first five years
  • Get immediate access to additional funds paid in throughout the term of the loan

Repayment options

  • Reduce your monthly repayment amount or settle your loan sooner by paying in additional funds.

Rapid financing approval

  • Rapid approval in principle with confirmation of the facility on valuation.

Building bond finance

  • Funding of vacant land
  • Project funding on a cost-to-complete basis
  • Project funding for off-plan developments
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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

BECOME A PRIVATE BANKING CLIENT

Never settle for ordinary. Apply for an Investec Private Home Loan.

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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:

new home

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    


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Vehicle finance

Whether you need a new vehicle to use privately or one for your business, we can assist with vehicle finance to make it happen. Up to prime minus 1%

Tailored insurance solutions

Gain access to an exclusive range of Insurance products through Aon South Africa, from all-risk cover to specialised insurance for high-value items - anything from high-value vehicles to art, antiques and jewellery. 24-hour home and roadside assistance as well as take me home services provide extra safety and security for your family.

Mortgage Protection Cover

Get Mortgage Protection Cover for your home and protect your family's future. Should you pass away, your home loan is paid off in full. Your premium adjusts automatically every month as you pay off your home loan, so you can save up to 35% on your premiums. You’ll also earn 1% back in Investec Rewards points on every premium.