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First Home Finance

A subsidy to help you buy your first home

First Home Finance (formerly known as FLISP) provides a government deposit of R169 000 when you earn between R3 501 and R22 000 gross income p.m., at no cost to you.

Understanding First Home Finance

This one-off subsidy helps you as a first-time home buyer (providing R169 000) based on your income band.

If your application is approved by the Department of Human Settlements, they will transfer the approved funds directly to FNB to be allocated against the home loan amount you have applied for.

 

Qualifying criteria

This subsidy can only go to:

  • A first-time home owner
  • A South African citizen or permanent resident
  • Persons 18 years old or older
  • Approved in principle (AIP) in place
  • Earning a gross monthly income of between R3 501 and R22 000
  • Married, cohabiting, or single with financial dependants
  • A first-time recipient of a government housing subsidy

 

Documents required

  • Green barcoded South African identity document or smart ID card
  • Proof of income
  • Home loan approval in principle/grant letter from the bank
  • Agreement of sale for the residential property (Offer to Purchase)
  • Birth certificate/RSA identity documents of all your financial dependants*
  • Proof of foster children guardianship*
  • Marriage certificate, civil union certificate or cohabiting affidavit, proof of partnership*
  • Divorce order*
  • Spouse's death certificate*
  • Building contract and approved building plans*

*Where applicable

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).

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