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Home loans

Get more than a home loan

Grow your money using our lending expertise.


What we offer

To help you every step of the way

Private Clients home loan specialists have designed a range of solutions to meet your unique needs and aspirations. Your Private Advisor is able to provide you with a bespoke solution to finance your dream home, holiday home or investment property.

Whether freehold or sectional title, we have structured our home loan product to provide finance at a competitive interest rate which offers flexibility and capital access, coupled with benefits such as rewards, convenience and service. After all, buying a home is a significant step and we want to maximise your return on investment.

What's hot

Did you know? We will pay your switching costs if you want to move your existing mortgage to FNB Private Clients.
You also get:


You can get 50% back in eBucks on your first Home Loan repayment.*
*50% back in eBucks capped at eB61 000. See T's and C's for more information.


Decide on your finance period - short, medium or long-term finance. A choice of variable or fixed interest rates with the variable rate linked to Prime.


Get easy access to additional funds and transfer funds into and out of your home loan account - you're automatically linked to online banking, 24/7.


Get discount on attorney fees and early termination rebate.


Draft your own last will and testament in a few easy steps.

Read more

nav» Home tools

Find or sell your home

Get pre-approved

Start the journey to your dream home.

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Get free instant value estimate

Start your journey to your dream home.

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Move in!

Let us help you find all your moving home services.

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Find your home

Find the property you're looking for on your smartphone.

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Know what it costs

Calculate your monthly repayments.

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Sell your home privately

Connect with FNB customers most likely to qualify for a home loan

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About building insurance

Home Owners Cover (HOC) is comprehensive insurance to protect your building or home.

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Importance of insurance

Insuring your home is not only desirable in South Africa, it is mandatory.

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Approved insurance providers

FirstRand Bank Limited is affiliated with top insurance companies.

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What to expect

Experience a seamless bond registration process with these guidelines.

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Getting it made easy

Home loans

Qualifying criteria

  1. Earn between R750 000 and R1499 999 p.a. to qualify
  2. 18 years and older
  3. Receive a regular or fixed income
  4. Have a clear credit record

Ways to apply

Apply now!

Other ways to apply

Find a branch

Contact your Private Advisor

Documents needed

  • South African ID book (bar-coded)/valid South African passport (SA resident)
  • Passport with valid work/retirement permit (non-SA resident)
  • Proof of residence (in your name, and not older than 3 month's)
  • Proof of income and financial information

Draft your own will

FNB offers a safe custody service, where we'll keep your will safe and secure.
This service costs R100 per year, and includes free courier collection of your will.

Plus: You might even qualify for FREE custody!

To set up your own will today, simply

  • Draft
  • Print
  • Sign

Terms, conditions and rules apply

Get a free instant value estimate

Have you any idea what your home is worth? A free value estimate of your property is very useful at the start of your home journey. nav» Home reveals the way. Look for it in the FNB App.

Find your home

With thousands of properties to choose from, you will definitely find your ideal family home. Search nearby to find homes near your work, schools or the area you have been looking for. Nav» Home reveals the way. Look for it on the FNB App.

Get pre-approved

It's easy to get your home financed with FNB. Get an instant pre-approval for qualifying customers. Nav» Home reveals the way. Look for it on the FNB App.

Know what it costs

Calculate your monthly repayment

Use our calculators to understand all the costs you are in for - your monthly repayment, the maximum home loan amount you qualify for and even know the deposit you may be required to pay in to buy your new home! Nav» Home reveals the way. Look for it on the FNB App.

Move in!

Let us help you find a moving company in your area as well as interior decorators, gardening services, plumbers, security services and painters.

Match with an FNB buyer

For the first time ever you can now sell your home privately through a financial institution. Plus, you can do it for free, using the Banking App.

Benefits of selling privately

  • Save on costs by connecting directly with the buyer
  • Know upfront how much you'll save
  • Get exposed to an FNB buyer most likely to qualify for a home loan
  • Use a trusted platform backed by an innovative bank with years of financial services experience
  • Chat to prospective buyers directly to close the deal

How it works

Go to nav» Home to see how you can sell your property privately and safely using the app.

About building insurances

Home Owners Cover (HOC) or simply, building insurance, is comprehensive insurance to protect your building or home from the risk of structural damage usually caused by fire, lightning, flood, storm, wind, hail, snow, bursting of geysers and water pipes, theft, power surges, impact, accidental damage, loss or damage during construction or alteration, explosions, earthquakes not caused by mining activities, subsidence, heave and landslip.

It will usually also cover any alterations that may be done to increase the value of the property, i.e. the physical structure, permanent fixtures and fittings, lapas and swimming pools. Building insurance will generally also cover damage to your primary home including the garden, garage and outbuildings which exist on the property.

Importance of insurance

Insuring your home is not only desirable in South Africa, it is mandatory as banks are not likely to grant a mortgage bond if the homeowner does not insure the structure that is being provided as collateral to the bank for the term of the loan.

While you do have the option to provide cover of your choice, the bank will encourage the homeowner to insure through its associated insurance company. In addition, the bank has negotiated competitive premiums and benefits on your behalf to ensure that you enjoy comprehensive cover.

Remember that your home is probably the most expensive asset you own, and it is therefore important to ensure that you have the best possible cover.

Approved insurance providers

FirstRand Bank Limited has an existing relationship with two preferred insurance providers; FirstRand Short- term Insurance (STI) and FNB Insurance brokers (which is currently underwritten by Santam, Old Mutual Insure and Hollard).

Should you not have received a quote from our preferred insurers, please contact them on the following details:

  • FirstRand Short- term Insurance (STI) - 087 312 0001
  • FNB Insurance brokers - 087 736 7694

FirstRand Short- term Insurance (STI) and FNB Insurance brokers will have a detailed discussion with you to ensure that you are happy with the cover, premium and service. Should the experience be to your satisfaction and you are comfortable with the quote, your cover will be activated with a future date once the bond registers.

What to expect

If you have opted to provide your own insurance cover for your property to the bank, please ensure that a copy of the policy is provided to the attorneys when the bond registration documentation is being signed. Failure to provide a policy will affect the bond registration process and will result in delays until such policy is provided.

In order to facilitate a seamless bond registration process and client experience, we encourage that the above is adhered to.

What property can I purchase?

We will consider providing the funds for any residential property, whether freehold or sectional title, smallholdings of up to 8.5ha in an urban or peri-urban area and vacant stands in residential areas also qualify.

How can I better leverage my home loan?

Your home is one of the biggest and most important purchases you will make in your life. Protect yourself and your family by making sure you never put yourself in a position to lose your home. The Mortgage Protection Plan covers the payments of your home loan in the event of death or permanent disability.

What if I want to transfer my existing bond from another institution?

We will pay your switching cost up to the value of your previous facility, and streamline the process as much as possible should you wish to transfer your existing bond to FNB Private Clients.

Please be aware that you may be liable for an early termination fee with the existing institution as well as bond cancellation attorney fees.

What other rewards can I enjoy?

As an FNB FNB Private Clients Pricing Guide holder, you'll also enjoy the following benefits when you take up our home loan

  • Access statements using our digital platforms
  • Free access to online, cellphone and telephone banking as well as the FNB Banking App on your smart device
  • inContact - free SMS and email notifications of Flexi transactions on your Home Loan Account