Investec’s Private Banking entry route needs income above R800,000 a year if you’re 30 or older. Certain qualifications may allow lower thresholds.
Investec’s credit team assesses your affordability individually, beyond Private Banking entry
Investec’s credit team assesses your application independently to determine affordability. It does not rely on scorecards to process credit applications.
Approval in principle comes before final confirmation after valuation. For a property purchase, transfer can take up to three months, sometimes longer.
Interest, registration costs and a fee you can avoid
Investec Bank Limited offers clients interest-bearing home loans, subject to credit approval. You can finance registration costs, with final confirmation after valuation.
Use your Investec Private Bank Account for the monthly instalment’s debit order. The monthly financing administration fee is waived. Other loan costs still apply.
The client route and Private Banking entry criteria
Some qualifications may lower Private Banking income thresholds.
- For the client route, be an Investec client.
- Pass an individual affordability assessment.
- Under-30s need a recognised qualification; some may lower limits.
- From age 30, some qualifications may lower income limits.
Start with a Private Banker conversation
- Send your details for a Private Banker to respond.
- Investec’s final confirmation follows valuation.
Your property purchase questions
Who prepares the legal documents when I buy a property with this loan?
During the purchase, the bond attorney prepares the legal documents with you. These include your home loan account.
When are my purchase documents sent to the Deeds Office?
Once all documents are signed and costs paid, the purchase documents are lodged together at the Deeds Office for verification.
Who can choose a home loan term of up to 30 years?
Young professionals with a Private Bank Account buying their first residential property can choose a term of up to 30 years.
When is the loan paid out for my property purchase?
For a property purchase, Investec pays out the home loan on registration day. Initial approval is not the payout date.