Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

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Find a branch

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 Private Clients Cheque Account holder, you'll also enjoy the following benefits when you take up our home loan

  • Convenient quarterly emailed statements
  • eBucks - your home loan earns you extra points towards your reward tiers, so you can earn up to 15% back in fuel and grocery purchases or get up to 40% off a variety of products and services using your eBucks through eBucks channels
  • 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

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, equipping your Go-to Guy to provide you with a bespoke solution to finance for your dream home, holiday home or investment property. Whether in your personal name or in the name of your business, we have structured our home loan product to provide a range of simple to complex solutions, with a competitive mix of rates, flexibility and capital access, coupled with advantages 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

Flexi option

A financial management facility giving you easy, convenient access to additional funds in your home loan account

Variable, fixed or tiered interest rates

With our variable rate linked to prime

Automatic linking to online banking

Manage and transfer funds into and out of your home loan account, provided you have an FNB Cheque Account

Choose your finance period

Short, medium or long-term finance

Attorney fees

Discount on attorney fees

No switching costs

We will pay your switching costs* if you want to move your existing mortgage to FNB Private Clients

Property Leader

Convenient and easy-to-use

Expert guidance on buying or selling a property instantly online from FNB's Home Loans team through Property Leader ( ), a convenient easy-to-use website that simplifies the process of purchasing and selling.

If you're buying, the site shows you how much can you borrow, your maximum bond, and how to get finance upfront, find a property, make an offer, get a home loan and take ownership. If you're looking to sell, the site guides you on your property value, how to sell, and signing the purchase agreement.


Home Owners Comprehensive Insurance

Competitively priced

FNB Insurance Brokers can give you a competitive solution for your property insurance needs, benefit from consolidating all your financial services provisions under FNB and enjoy having your Go-to Guy providing holistic approach to your full balance sheet.

Home Owners Comprehensive insurance (HOC) is essential as it covers for damages and losses to your property. As the property remains the security of the bank you are required to take adequate insurance for the duration of the loan, find out if FNB Insurance Brokers can better your current providers offer.

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 Banker

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