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Personal Finance

Financing for cars, property and lifestyle assets, including finance to expand your professional practice or grow your investment portfolio.

You have a clear idea of the lifestyle you want and the resources you need to make it a reality. Speak to us about your finance needs and we’ll help you acquire the assets you need to boost your business and personal life.

We can help with:

  • Asset finance
  • Motor vehicle finance
  • Professional practice and equipment finance
  • Specialised finance for investment purposes

Asset Finance

It's important to get the work / play balance right. Whether for business or pleasure, each area of life requires the right equipment to do the job well.

That’s why we provide flexible financing and business loans for straightforward purchases, such as plant, office and professional practice equipment, as well as financing for property, motor vehicles and lifestyle assets. We even offer loans secured against unusual assets.

We’ve also structured our payment plans to help maximise your tax and cash flow benefits. For example, the flexible use of surplus funds can help reduce the amount of interest paid.

Our finance options include instalment sales and negotiable residual options.

Motor Vehicle Finance

You’ve done your research and decided on the vehicle that’s right for you.  Whether it’s a new luxury car for private use, or a fleet of trucks for your business, we can help you with financing that’s shaped around your needs.

We offer:

  • Financing options such as instalment sales with negotiable residual options
  • Structured payment plans to minimise tax and maximise cash flow
  • Flexible deposit and withdrawal of funds to help reduce repayments and save interest
  • Online viewing facility
  • Up to 200,000 Investec Dividends points if you source your motor vehicle through McCarthy
  • Preferential rates from Matrix Vehicle Tracking

Personal Loans

Use your existing asset base as a springboard to access additional funds, without having to liquidate your current assets. Our secured loan packages use your existing assets - such as trading and non-trading share portfolios, unit trusts, investment products, cash investments, property and investment policies - as collateral, giving you the resources you need to build your wealth.

We also offer unsecured loans to select clients, subject to credit approval.

Professional Practice and Equipment Finance

Businesses don’t just appear out of thin air. They require planning and careful management. You may be considering setting up, buying into or equipping a practice, or simply expanding. If you are, we can help.

The finance products we offer are flexible, ranging from transactional banking with an Investec Private Business Account through to practice asset finance.

We don’t believe in one size fits all. Which is why our financing takes into account your individual career, lifestyle and financial needs.

Specialised Finance

Your investments are important to you, and us. They deserve the personalised attention we’re able to give them. You may, for example, want to diversify your investment interests, or maximise liquidity in the context of complex financing transactions. It’s why we created our specialised financing service, for specialised financing needs.

We also work closely with your tax and legal advisors to make sure taxation and funding issues are dealt with efficiently, even when your investments are international.

Our specialised finance services include:

  • The acquisition and funding of commercial property and aircraft
  • The acquisition and funding of private business enterprises
  • Funding of private holdings in listed companies

Finance Rates

Current Financing Rates
    Effective from:
Prime lending rate 9.00% 27/03/2014
Investec Mortgage Bond rate 9.00% 27/03/2014
Investec Private Bank Jibar Linked lending base rate 6.68% 15/04/2014

Disclaimer

Investec Specialist Bank does not make representation that information and materials on this site are appropriate for use in all jurisdictions available on the web, or that transactions, securities, products, instruments or services offered on this site areavailable or indeed appropriate for sale or use in all jurisdictions, or by all investors or other potential clients. Those who access this site do so on their own initiative, and are therefore responsible for compliance with applicable local laws and regulations. By accessing each site, the entrant has agreed that he/she has reviewed the site in its entirety including any legal or regulatory rubric.

Investec Specialist Bank, a division of lnvestec Bank Limited registration number 1969/004763/06. Investec Specialist Bank is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. Copies of the Code and Ombudsman's details are available on request. A registered credit provider registration number NCRCP9.

Disclaimers

The National Credit Act (NCA) aims to combat over-indebtedness of consumers by preventing credit providers from lending recklessly.

The National Credit Regulator (NCR) is a statutory body created in terms of the NCA. Its primary function is the enforcement of the NCA through various means, including promoting informal resolution of disputes between consumers and credit provider, receiving complaints on alleged contraventions of the NCA, and monitoring the consumer credit market to ensure that prohibited conduct is prevented or detected and prosecuted. The NCR is also responsible for promoting consumer awareness of credit matters, including developing public awareness through educational measures, and identifying factors concerning over-indebtedness
The NCR has recently published a set of guidelines for all credit providers, known as the Code to Combat Over-indebtedness (the Code), which has been developed in terms of section 48(1)(b) of the National Credit Act and which sets out the way in which credit providers should assist and educate their clients on the dangers of taking on too much credit.

Investec Private Bank subscribes to this Code and through its well established credit process, is committed to preventing our clients from becoming over-indebted and to partnering with them to find a solution for our clients to continue to meet their financial obligations during difficult financial times.

For more information on this code, please contact the NCR on 0860 627 627 (0860 NCR NCR)