The Investec Home Loan is designed to provide flexible and comprehensive mortgage solutions. With loan amounts reaching up to significant figures for qualified borrowers and competitive interest rates, it caters to a range of financial needs and aspirations. The repayment period is flexible, extending up to 30 years, which makes it easier for borrowers to manage their finances without strain.


Investec Home Loan Highlights

  • Competitive Interest Rates: Enjoy home loan rates that are among the most competitive in the South Africa market, reducing the overall cost of borrowing and facilitating affordable repayments.
  • Flexible Repayment Terms: Tailor your loan for mortgage plan with terms up to 30 years, providing flexibility to manage financial commitments effectively.
  • Quick Approval Process: Benefit from a streamlined process for home loan lending rates, ensuring rapid access to funds when needed.
  • Minimal Paperwork: Experience a hassle-free application with less paperwork, making the process of securing a home loan interest rate straightforward and efficient.
  • Unsecured Loan Options: Access finance without the need for collateral on selected loan products, offering simplicity and ease for borrowers.
  • Large Loan Amounts: Eligible borrowers can secure substantial funding, supporting the purchase of a wide range of properties.


  • Credit Assessment: The home loan interest rate and loan amount are influenced by the borrower’s creditworthiness, necessitating a solid credit history.
  • Repayment Capacity: Flexible repayment terms require careful financial planning to ensure long-term affordability.
  • Online Application Nuances: While the process is expedited, understanding the online application details is crucial for a smooth experience.

Investec’s Home Loan offering blends competitive advantages with practical considerations, ensuring borrowers are well-informed and prepared for their home financing journey.

Eligibility Criteria for Investec Home Loan

To apply for an Investec Home Loan, certain prerequisites must be met. Firstly, at least a good credit score is essential as it influences the home loan interest rates and loan amount eligibility. Applicants should have a stable income level, with proof of earnings required to assess financial stability. Also, the value of your property is not less than Investec’s property valuation.


Employment status is also scrutinised, being employed or having a steady income source is vital to ensure the loan’s repayments are up-to-date. Additionally, proof of residence and a valid South African ID are necessary to complete the application. These criteria help Investec evaluate the borrower’s ability to fulfil the loan obligations effectively.

Investec: A Legacy of Innovation in Finance

Investec, established in 1974, has grown into a prestigious financial institution known for its specialised banking and asset management services. With a strong market presence in South Africa and beyond, it commands respect in the lending industry, particularly for its home loan rates and mortgage lenders rates. The bank’s dual listing on the London and Johannesburg Stock Exchanges since 2001 highlights its global reach and financial stability. Investec’s reputation is built on delivering custom financial solutions, underpinned by a commitment to sustainability and innovation in the financial sector.

Ideal Borrowers for Investec Home Loan

The Investec Home Loan is crafted for diverse individuals and families aiming for property ownership or investment:

First-Time Homebuyers: With 100% financing options, it’s perfect for those entering the property market, making home ownership accessible.

Property Investors: Suited for experienced investors looking for competitive mortgage lenders rates and flexible home loan rates, enabling profitable property ventures.

High-Income Professionals: Ideal for individuals with stable, high incomes seeking tailored home loan interest rate options and bespoke financial solutions.

This loan combines flexibility, accessibility, and comprehensive financial services, catering to a broad spectrum of borrowers who prioritise personalised home loan solutions and financial growth.


Steps to Secure an Investec Home Loan

To obtain an Investec Home Loan, follow these streamlined steps:

  1. Eligibility Check: Confirm your eligibility ensuring you meet the credit score and financial criteria.
  2. Application Submission: Visit the Investec Home Loan website, press the “Apply Now” button. After that, fill out the application form, providing necessary personal and financial details.
  3. Documentation: Submit required documents, including proof of income, ID, and proof of residence.
  4. Loan Assessment: Allow Investec to process and evaluate your application, assessing your financial stability and property value.
  5. Approval and Offer: Once approved, review and accept the loan offer, which includes home loan rates and terms.
  6. Finalization: Sign the loan agreement and complete any additional legal formalities.
  7. Disbursement: Funds are then disbursed to cover the property purchase or other agreed purposes.

This process is designed for efficiency and transparency, guiding borrowers smoothly from application to acquisition.

Investec Loans Portfolio

Commercial Property Loans

Investec provides tailored solutions for business and commercial property financing, assisting clients in acquiring, developing, or investing in commercial real estate. This service caters to corporate entities and investors looking to expand their property portfolios.

Personal Loans and Vehicle Financing

For individual financial needs, Investec offers personal loans with flexible terms. These can be used for various purposes, including home improvements or consolidating debts. Additionally, vehicle financing is available for clients aiming to purchase new or used vehicles, with terms designed to fit individual budgets.

Wealth and Investment Management

Investec specializes in wealth management services, offering investment solutions that include financing against established investment portfolios. This service is ideal for high-net-worth individuals seeking to optimize their investment strategies and financial growth.

Specialized Financing Solutions

Investec also offers bespoke financing options like asset finance for high-value assets, bridging loans, and structured lending, providing clients with solutions that are as unique as their financial situations and goals.

Investec Home Loan Customer Service

  • Customer Support phone number: +27 (11) 286 9663 or 0860 110 161
  • E-mail: [email protected]
  • Investec Official Website

The customer service of Investec is available for every moment, you can enjoy 24/7/365 support when you need it.