Home
Back
Structured lending
 
Home
For Me
& My Family
For My Business
Corporates + Public Sector
Private Banking
Calculators
Rates + Pricing
About FNB + Legal
Contact Us + Tools
Careers at FNB

Close

Close

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Close

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Close

Close

Daily Banking

Close

Tools

Register Forgot Username or Password Verify payments

Close

Menu

Bank Family & Life stage solutions Events & Services Bank better

Switch to FNB

Product Shop

Financial Solutions

Bank Invest Borrow Insure Connect

Ways to bank

Digital Banking Branch, ATMs + Telephone Banking + @Till Banking Digital Payment Solutions nav»

Invest abroad

Global Solutions

Financial planning

Overview Personal goals Child's education Emergencies Tax free Estate + legacy planning Employee Benefits

Forex

Foreign exchange solutions

eBucks Rewards

eBucks Rewards SLOW

Switch to FNB

Product Shop

Lifestyles

Family Banking Youth accounts FNB EasyPlan Islamic banking Premier Young Professionals Medical Professionals Premier Select Over 55s Encore - Over 55s Retirement

Switch to FNB

Product Shop

Events

Events

Services

DebiCheck and Debit Order Balance Alert Limit Alert LOTTO and PowerBall Prepaid products Soccer six Traffic fines Debit order switching inContact Online vouchers Payments and Debit Orders DStv Payments Account Closure Guide

Switch to FNB

Product Shop

Bank better

Learn about banking FNB App guides

Close

Switch to FNB Business

Product shop

By Turnover

First Business Zero (R0 - R5 million p.a) Gold Business (R0 - R5 million p.a) Platinum Business (R5 million - R60 million p.a) Enterprise Business (R60 million - R150 million+ p.a)

Transact

Business Accounts Credit Cards Cash Solutions Merchant Services eWallet Pro Staffing Solutions ATM Solutions Ways to bank Fleet Services Guarantees

Savings and Investments

Save and Invest 3PIM (3rd Party Investment Manager)

Borrow

FNB Cash Advance Overdraft Loans Debtor Finance Leveraged Finance Private Equity Vumela Securities Based Lending Selective Invoice Discounting Asset Based Finance Alternative Energy Solutions Commercial Property Finance Fleet Services

Insure

Insurance

For my employees

Staffing Solutions Employee benefits

Forex + Trade

Foreign Exchange International Trade Structured Trade + Commodity Finance Business Global Account (CFC account)

Value Adds + Rewards

Connect my business the dti initiatives Enterprise and supplier development Business Hub eBucks Rewards for Business DocTrail™ CIPC Instant Accounting Solutions Instant Payroll Instant Cashflow Instant Invoicing SLOW 24/7 Business Desk FNB Business Fundaba nav» Marketplace Prepaid products Accounting integrations

Industry Expertise

Philanthropy Chinese Business Islamic Banking Agriculture Public Sector Education Healthcare Franchise Motor Dealership Tourism

Going Global

Global Commercial Banking

Financial Planning

Overview

Bank Better

KYC / FICA Debit order + recipient switching Electronic Alerts

Close

Switch to FNB

Product Shop

Corporates + Public Sector

Corporate Public Sector

Close

Switch to FNB

Product Shop

Private Banking

Private Banking

Close

Home Loans

Affordability Bond Calculator

Day to day banking

Budget Future Value Credit Cards

Shares

Share Investor

Vehicle Finance

Vehicle Repayment Vehicle Purchase Price

Close

Product Rates

Save and Invest Transactional Savings Legal Practitioners and General Trust Account Global Accounts

Pricing Guide

Overview

Rates

Foreign Exchange Rates Lending Rates

Indicators and Share Price

SA Indicators

Close

News + Insights

Press Office Economics commentary Insights Business Hub

Close

Terms + Conditions

Product Terms and Conditions Promotions Terms and Conditions Legal Matters

About Us

World of FNB

News + Insights

Press Office Economics commentary Insights Business Hub

FNB Subsidiaries

Botswana Lesotho Ghana Namibia Swaziland Zambia Channel Islands

Close

Talk to us + important numbers

Contact us

Fraud + Disputes

Security Centre

Locators

ATM Locator Branch Locator/Book a Branch Visit eWallet GEO Locator

Tools

Debit order switching Track and Trace Lead Form Tracking Upload Documents - For Me Upload Documents - For My Business Reporting a death Software Downloads FNB Approved Suppliers FNB Prospective Suppliers Verify Guarantee Verify Statements Verify Payments Verify Account Confirmation/Visa Application Letters eWallet balance enquiry

Close

Careers at FNB

Find out more about careers at FNB Apply here

Close

Close

All savings + investment accounts

Cash deposits

Notice deposits Immediate access Access to a portion Fixed deposits

Share investing

Shares

Tax-free investing

Tax-free accounts

Funds/unit trusts

Ashburton specialised products

Invest abroad

Offshore products

I want to save for

Personal goals Child's education Emergencies Tax-free

Compare similar

Compare

Additional options

Show me all Help me chosse Find an advisor

Financial planning

Overview

Close

Close

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.

Close

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.

Close

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.

Close

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.

Close

Find a branch

Close

Qualifying criteria

  • Earn between R750 000 and R1499 999 p.a. to qualify

Close

Documents needed

  • South African ID document (bar-coded book or smart ID card) or valid South African passport (SA residents).
  • Proof of residence (in your name, and not older than 3 months).
  • Latest payslip or last three months bank statements or latest updated financial statements (if self-employed).

Close

What this offers

The Single Facility helps you in the following ways:

01 One account
Combine your mortgage and cheque accounts into a single account.

02 Save on interest and fees
A single personalised interest rate based on your profile.

03 Consolidate
The option to finance multiple properties in one facility and the ability to secure against mixed collateral.

04 Digital convenience
Transact on your account anytime, anywhere through our digital platforms including online banking and the FNB App.

05 Access to equity
Instant access to your available funds.

Close

Additional benefits

Immediate access to your funds. Through our digital and online transactional platforms this account provides you with instant access to available balances.

Different repayment options. To suit your requirements, your deal can be structured into an amortising or non-amortising facility.

Transactional flexibility. Enjoy the benefits of transacting on this account at your convenience through our traditional or digital platforms.

Personalised interest rates. You get an individualised interest rate based on your personal account profile.

Multiple and mixed collateral. You have the option to secure your loan using a combination of a property (a single or multiple properties) and shares.

Save on interest. Your interest is calculated on your outstanding balance daily. So whenever the outstanding balance on your loan is reduced, you save on interest.

Single Facility

Use consolidation to your advantage

Single Facility offers both debit and credit functionality, together with transactional banking.

What this offers

Enjoy simplified money management and more

The Single Facility helps you in the following ways:

01 One account
Combine your mortgage and cheque accounts into a single account.

Additional benefits

Merge your lending and banking

Immediate access to your funds. Through our digital and online transactional platforms this account provides you with instant access to available balances.

Insurance

About building insurance

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

Read more

Importance of insurance

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

Read more

Approved insurance providers

FirstRand Bank Limited is affiliated with top insurance companies.

Read more

What to expect

Experience a seamless bond registration process with these guidelines.

Read more

Getting it made easy

Apply Now!
Find a branch

Qualifying criteria

Documents needed


Please contact your Private Banker or the Private Clients Service Suite on 087 575 4727;
email servicesuite@fnbprivateclients.co.za

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