HomeChoice International Plc is an investment holding company, which engages in the retail direct marketing business and financial services business to middle-income market in South Africa. It operates through the following segments: Retail, Financial Services, and Property. The Retail segment provides a range of household textiles, home ware merchandise, and clothing & footwear under the HomeChoice brand. The Financial Services segment provides personal loan and insurance products offered under the FinChoice brand to retail customers. The Property segment holds land and buildings, which are used by retail and financial services. The company was founded by Richard Garratt on July 22, 2014 and is headquartered in Qormi, Malta.