A solution for your housing needs
Tailor-made for individuals earning a minimum monthly income of R3 500 and a maximum of R25 000 before deductions. Joint applicants should earn up to a maximum of R50 000 before deductions
Getting started is easy
100% finance, no deposit required. Option of fixing the interest rate for up to 5 years
Home Ownership Programme
A comprehensive programme for first-time home buyers
Preferential interest rate
Preferential interest rate when opting for salary deduction
Home Owners Cover and Life Insurance
Make sure you are covered from the first day you take ownership of your home
Convenience of applying via Quick Application
Draft your own will today
Draft your own last will and testament in a few easy steps
Further lending options
Weigh up the options
There are a number of ways to access funds from your home loan, take a look at the options available to you.
What it costs
Understand the costs involved
Costs for properties of less than R750 000.
FNB may finance the total purchase price of your house (Ts & Cs apply).
Your interest rate will be determined by your individual credit risk profile
Monthly admin fee
Initiation fee (once off)
R6 037.50 incl.VAT
Early termination fee
Without advance notice - up to 3 months interest will be charged
With advance notice - up to 3 months interest less period of settlement notice will be charged
Find a home
Seize the opportunity
An opportunity to buy a house within a network of housing developments
View housing developments
Manage your home loan
Get the most out of your home loan
Designed to give you access to your home loan transactional history.
Applying made easy
- Earning a minimum monthly income of R3 500 before deductions
- Joint applicants should earn up to a maximum of R50 000 before deductions
View full qualifying criteria
How to get it
Other ways to apply
Cellphone Banking - dial *
*321#, select 'Get a loan'
- Latest 3 months' payslips
- Latest 3 months' bank statement (if not banking with FNB)
- Bar-coded South African identity document or smart ID card
- Marriage certificate (if applicable)
- Offer to Purchase
First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).