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BENEFITS

Seamless services for larger property acquisitions

  • A choice of fixed, variable or tiered interest rates
  • InContact messaging that alerts you of all activity on your account
  • Additional dedicated service for your day-to-day banking requirements through the Service Suite, available 24 hours a day
  • A dedicated Private Bank Advisor and access to a team of Fiduciary, Lending, Wealth Management and Foreign Exchange specialists
  • Transact cost-free through our digital banking channels
  • Free card delivery and replacement, no annual card fees and free additional cards
  • Free debit order and salary switching
  • Smart devices at discounted prices over a 24-month period with 0% interest
  • Up to 40% off selected eBucks Shop items, selected local and international flights, as well as on domestic car hire when you book through eBucks Lifestyle
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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
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WHEN TO USE THIS

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.
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WHEN TO USE THIS

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.
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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.

eBucks
The opportunity to earn points towards your eBucks rewards level. You could also get up to 40% off on selected items in the eBucks shop and on selected local and international flights, as well as on domestic car hire when you book through eBucks Lifestyle.

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.

STRUCTURED LOAN

Secured financing for expanding your property portfolio

Convenient, flexible and cost-effective secured finance for larger property acquisitions and investments.

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 Bank 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

Get secured financing for expanding your property portfolio and more.

Structured Loan Fact Sheet

Multi-property purchases
Business venture or investment

GET STARTED

Structured Loan

Call me back
Documents needed

OTHER WAYS TO APPLY

Contact your Private Bank Advisor
Contact the RMB Private Bank Service Suite
RMB Private Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).