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Financial planning

Overview

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Structured loan

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

What is a Structured loan?

An individual account for your property portfolio and assets such as cash, listed shares, unit trusts and local cash investments.

Repayment options

What's in it for you?

Get rewarded

Enjoy exclusive rewards like a welcome package, move-in day perks, and milestone rewards to celebrate key moments in your homeownership journey. Applicable to qualifying applications submitted from 1 December 2025.

Discounted fees

Pay less on your attorney fees.

Flexi transactions

Provides you with instant access to available balances through our digital and online platforms.

Mixed collateral

Secure your loan with a combination of properties and shares.

Save on interest

Optimise debt into a single account and rate.

Unlock liquidity

Leverage your balance sheet to unlock liquidity, and take advantage of investment or business opportunities to build your wealth portfolio.

You might also be interested in

Single Facility®

Securities based lending

 

Repayment options

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.

Choose from a variety of repayment options

  • Regular amortising repayment option
  • Regular non-amortising repayment option
  • Interest only repayment option
  • Interest roll-up repayment option

 

Documents required

  • South African ID book (barcoded)/valid South African passport (SA resident)
  • Passport with valid work/retirement permit (non-SA resident)
  • Proof of residence (in your name, and not older than 3 months).
  • Latest payslip or last three months' bank statements (for overdraft applications only)
First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).

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