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Seamless services for larger property acquisitions

Uniquely Structured Loan
A tailored finance structure that will suit your unique financing needs.
Liquidity with no restrictions
Leverage your balance sheet to unlock liquidity, and take advantage of investment or business opportunities to build your wealth portfolio.
Save on interest
Consolidate debt into a single account and rate. Transactional flexibility Provides you with instant access to available balances through our digital and online platforms.
Mixed collateral
You have the option to secure your loan using a combination of a property (a single or multiple properties) and shares.
More eBucks rewards
Having a qualifying home loan product gives you points towards a higher eBucks rewards level. A higher reward level affords you more rewards, such as up to 40% off selected local and international flights and domestic AVIS car hire through eBucks Travel, and higher fuel and grocery rewards.
Build your home
Enjoy peace of mind and a simplified process when it comes to designing or renovating your home the way you want.
You can get 50% back in eBucks on your first Home Loan repayment.*
*50% back in eBucks capped at eB61 000. See T's and C's for more information.
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STRUCTURED LOAN

Secured financing for expanding your property portfolio

Convenient, flexible and cost-effective secured finance for larger property acquisitions and investments.
A Structured Loan provides secured finance for larger property acquisitions and investments. It offers you access to capital for other opportunities by letting you borrow against mixed collateral, which could include a combination of property, shares, cash, and other investments.
Benefits
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BENEFITS

Seamless services for larger property acquisitions

Uniquely Structured Loan

A tailored finance structure that will suit your unique financing needs.
Read more

ABOUT

Everything you will need

GUIDANCE FROM A TEAM OF SPECIALISTS

Your Private Advisor will work with our Fiduciary, Lending, Wealth Management and Foreign Exchange specialists to best structure the loan to suit your requirements.

FINANCE OPTIONS

Short, medium and long-term finance options to suit your needs, with a maximum term of 20 years.

REPAYMENT OPTIONS

To suit your circumstances. Your deal could be structured to be amortising or nonamortising, whichever suits your cash flow management better.

INTEREST RATE TYPES

A choice of fixed, variable or tiered interest rates, with interest calculated on your debit balance.

CAPITAL ACCESS

Have access to the capital that you have already paid on your loan.

OPTIONS

Hassle free investment

MULTI-PROPERTY PURCHASES

The purchase of multiple properties to build a rental portfolio. The property finance will be consolidated under one loan, with one monthly service fee and interest rate, making it cheaper and easier to manage your investments and your debit balance. Because you have access to the full capital and you have already paid off a percentage of the loan, you have funds available when a new development opportunity arises and you don't need to repeat the bond application process.

BUSINESS VENTURE OR INVESTMENT

As a business loan usually doesn't provide 100% of financing, you could put your paid property up as collateral for a Structured Loan. And, as this loan is secured, you receive a lower interest rate than with a standard business loan.

>Structured Loan Fact Sheet

GET STARTED

Structured Loan

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OTHER WAYS TO APPLY

  • Contact your Private Advisor
  • Contact the RMB Private Bank Service Suite

DOCUMENTS NEEDED

  • Application form
  • Offer to purchase
  • Valid South African ID or passport
  • Proof of current residential address
  • Proof of income
  • Assets and liabilities statement
  • Business financial statements
  • Bank statements
RMB Private Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).