Drawing down a mortgage loan in stages

Drawing down a mortgage loan in stages

Our Touch and Mobile apps let you easily draw down part of your home loan to pay invoices.

For tax and legal reasons, each invoice submitted for drawing down your loan has to meet a number of conditions

  • The invoice must be made out in the name of – one of – the borrowers (this means that order forms or quotes, for example, are not accepted).
  • The descriptions on the invoice must correspond with the purpose of the loan you've taken out.
  • The invoice may not be paid upfront out of your own pocket.
  • If a building permit is required for the works, you will have to provide us with a copy. We do not disburse any of the loan until we are in possession of such a permit.

Below are some examples of invoices that we are unable to pay under your home loan (please note that this list is not exhaustive).

  • Reusable equipment that you buy or rent yourself (such as a skip, cement mixer, building dryer, ladder or drills and sanders).
  • Costs for demolition work, infrastructure work (e.g., related to land division) and preparing a plot of land for building (e.g., felling trees or clearing shrubs).
  • Invoices for lighting, blinds/curtains and blackout curtains inside the house.
  • All kinds of fines and charges such as the cost of an EPB, EPC or stability study, interior architect's fees and the cost of a security coordinator).

How does it work?

  1. Open our Mobile app and select More > Home > Your home loan > Manage or open our Touch app and select Home followed by your home loan
  2. Tap or click New drawdown
  3. Enter the amount you need (up to the full amount of the invoice)
  4. Add your invoice
  5. Opt to have your invoice paid after the relevant amount has been approved
  6. Sign your application digitally
  7. We’ll check your application by the next banking day. Once approved, we’ll transfer the relevant amount to you.
  8. The invoice amount will be paid to the account for repaying your home loan
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