Rating based on 10 reviews


  • Get 100% Finance
  • Mortgage Protection Cover
  • Repayment up to 30 years

In-page navigation

Investec homepage
Author Investec. Screenshot of Investec website.
[Accessed May 11, 2023]

About Investec

Investec was established in 1974 and is a financial services provider that offers a variety of financial products and services to clients based in Southern Africa, Asia, and Europe.

To date, Investec has employed around 8,200 people worldwide but operates primarily in the United Kingdom and South Africa.

Historic significance for consumers

Investec has listings on the London and Johannesburg Stock Exchanges. They have banking divisions in seven countries.

Investec’s main area of focus is investment and banking, as well as wealth. Their purpose is to give people historic significance. Everyone is treated like an individual at Investec, as they know people are special and unique, just like their needs.

Meeting your wherever you may be

Regardless of what life stage you're currently in, whether you're starting your own family, creating an empire or starting a new business, you can benefit from Investec’s wealth of experience to make your dreams come true.

They harness mutual trust in business relationships and are constantly pushing themselves to find new solutions to their customer's financial problems.

Investec’s respectable values

Investec looks to serve its clients, stakeholders, communities, and people with a lifetime of wealth. They have four essential values that help them better showcase that the work they do aims to serve people.

  • Integrity: Investec believes that relationships embedded in mutual trust last longer and enable transparent and open communication.
  • Quality performance: Unmatched talent, vitality, and passion are special qualities that help them perform better. They’re open to different perspectives and respect the opinions of others.
  • Client-driven: Investec is determined to foster authentic partnerships and has a strong desire to meet their client’s goals and objectives.
  • Loyal partnership: fair and loyal partnerships are formed while using the best methods to identify, search, and acknowledge challenges and responsibilities.

Investec Services

Investec can help you secure that dream home you’ve always wanted to own. You’ll be assigned a personal banker who’ll personally tend to all your home loan-related queries.

They’ll also you up to speed with the status of your application during every stage from start to finish. You’re guaranteed a complete home loan experience with Investec, all you’ve got to do is reach out and leave the rest up to them.

Why should get a home loan from Investec?

  • You’re offered up to 100% finance
  • If you’re purchasing a home for the first time, your transfer costs can be financed, giving you the option to select a term of up to 30 years
  • Best interest rates
  • Reduced legal fees
  • Fast approval and official premise confirmation upon evaluation
  • Flexible repayment plans, should you decide to pay more in a month, you have four options which are:
    • Low monthly repayment amount
    • Your repayment plan stays the same
    • Save more on interest
    • Finish up paying your loan much quicker
  • If your home loan is serviced via debit order, you’re excluded from admin fees
  • Constant, reliable support

Know what you’re getting yourself into

Have you been contemplating purchasing your first property? Purchasing a house for the first time is a big deal and a lifelong financial obligation. This is why it’s crucial to understand what situation you’re getting yourself into.

To help many first-time home buyers have a better overall experience, Investec has compiled an effective guideline that aids many first-time home loan applicants to land themselves that ideal home.

Home-buying checklist from Investec

  • Proof showing you’re of the required legal age
  • Proof of income
  • A letter from the bank
  • Electrical Compliance Certificate

Investec – Home Loan

  • Loan Type Home Loans
  • Repayment 30 years

Benefits of Investec

  • Wealth management
  • Competitive interest rates
  • Flexible repayment options

Let your Investec banker guide you through the property purchasing process

Investec’s online application will take you through a couple of essential questions. These are the questions you’re expected to answer as honestly as possible to speed up the application process.

  • Are you an existing Investec client?
  • Are you purchasing your first or second home?
  • What’s your first name and surname?
  • What’s your email address?
  • An alternative email address
  • Please provide your contact number
  • What company do you work for?
  • The amount of finance you need (which can range from R0 up to R6 million and above)
  • You’ll also need to provide your I.D. number and date of birth, in order for credit checks to be performed.

There are five steps to buying a property

  • Step 1: You need to pay attorney fees, also called transfer fees
  • Step 2: Have all your documents in place and liaise with the transferring attorney, who will ask you to come in and sign all the required documents.
  • Step 3: Your attorney submits all relevant documents to the Deed’s office.
  • Step 4: Verification and registration process by the Deed’s office commences.
  • Step 5: Your property is registered, and your home loan is paid to the seller, making you a proud homeowner.

Home loans that are custom-made to your needs

Property is king, and it’s also one of the best investments. However, with all the documents you need to sign, and the costs involved, it can sometimes make you feel overwhelmed. Investec home loans that are tailor-made to your needs.

What’s included in the 100% bond?

Investec’s home loans for first-time applicants offer you flexible repayments.

This is what you can expect:

  • Easy access to funds
  • Choose your ideal repayment term
  • Repayment options are flexible
  • Exclusively tailored for private bank account holders
  • Enough room for you to reap the benefits

With Investec Bank, your repayments will be composed of both interest and capital for the agreed term. You’re given complete access to a portion of the loan amount to use annually (for the first five years) at the same rate. This is what is known as the Unutilised benefit, which is eligible for good payers.

man holding thumbs up

Investec is a trusted & reliable provider of home loans

In our review, Investec adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Investec is a registered credit provider in South Africa: NCRCP9

Investec Contact

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 785 700, Sandton, 2146, South Africa

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed