The ultimate upgrade

Switch your home loan to FNB. We'll pay your cancellation and bond registration fees, plus enjoy exclusive rewards on your homeownership journey.

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What's in it for you

Cancellation and registration costs covered

We'll pay your cancellation and attorney registration costs (this excludes early termination fees charged by other banks).

Loan term of up to 30 years

We can grant you a loan term of up to 30 years.

Personalised interest rates

Get an interest rate tailored to your financial profile.

Exclusive homeownership rewards

Enjoy exclusive rewards like a welcome package, move-in day perks and milestone rewards. Applicable to qualifying applications from 1 December 2025.

Access to funds already paid in

Get access to funds you have already paid into your home loan, up to your original home loan amount. Use the funds to pay off debt, renovate your home or take care of any other financial needs.

What it costs

Know what you're paying for and plan ahead.

Initiation fee

You pay the initiation fee, which FNB will debit to your home loan on registration.

Early termination fees

You pay any early termination fees charged by your existing financial institution, which requires 90 days' notice to cancel the bond.

Cancellation attorney costs

FNB pays the fee charged by the cancellation attorney appointed by your existing financial institution to cancel the existing bond.

Registration attorney costs

FNB pays bond registration attorney costs up to the value of the original bond amount. Any additional costs are for your account. This benefit is capped at a bond amount of R10 million.

FNB Home Owners Cover

Comprehensive building insurance. Earn up to 15% back in eBucks on premiums.

Find out more

Switch home loan

Make the best move when you switch your home loan to FNB. We'll cover your cancellation and attorney registration costs.

Qualifying criteria

•You must first cancel your home loan with your current financial institution in order to bond your home with FNB.

•The qualifying criteria on a new home loan must be met

Required documents

•South African ID book/card

•Proof of income (if self-employed, 5 years' business financial statements are required)

•6 months' bank statements, if non-FNB customer

•Proof of residence (municipal bill / Telkom account / income tax form) or proof of housing subsidy (if relevant)

•An IRP5 for proof of other income sources

•A proof of residence certificate if relevant

Ready to switch?

Make the best move when you switch your home loan to FNB. Find your nearest branch to get started.

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