The right solutions for the right home

Apply for an FNB Home Loan and enjoy exclusive rewards like a welcome package, move-in day perks, and milestone rewards to celebrate key moments in your homeownership journey. Applicable to qualifying applications submitted from 1 December 2025.

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Home loan solutions

First Home Finance

Get a government subsidy deposit up to R169 000 to buy your first home.

Collective buying

Apply for a home loan with up to 12 people.

Islamic residential property finance

Finance your property in a Shari'ah compliant way.

Pension-backed loan

Use a portion of your pension as security for a home loan.

Foreign choice home loan

Home loan to non-residents and foreign nationals.

Employer-backed loan

Get a selection of benefits if you are employed by one of our partners.

Building loan

Let us help you build your dream home.

ecoEnergy

Save on your monthly utility bills on eco-friendly properties with an ecoEnergy home loan.

Commercial property finance

Grow your business with our tailored Commercial Property Finance.

Structured loan

Secured finance for larger property acquisitions and investments for Private Clients and Private Wealth customers.

Securities Based Lending

Use your investments as security to get funds at a personalised interest rate as a Private Clients or Private Wealth customer.

Single Facility®

A home loan and transactional account in one, designed for Private Clients and Private Wealth customers to help optimise their finances.

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Get pre-approved, find your dream home, and more, all on the FNB App.

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Use your home to finance your needs

An unbonded property can be refinanced with FNB when you require access to funds.

Initiation fee

An initiation fee will be applicable, and your home loan will be priced accordingly

Debit order payment

It is a requirement to pay your home loan by debit order or salary stop order

Value proposition

You may avail of a value proposition if FNB grants such on this offering at the time of application

Original Title Deed

You must be in possession of an original Title Deed which contains the client's details to qualify for this offering

Title Deed costs

The bank will not be liable for any costs associated with recovering or replacing an original Title Deed, these costs will be for your account

Minimum bond amount

You must apply for and have a mortgage bond registered for a minimum amount of R200 000

Do I qualify for unbonded property?

The unbonded product offering is not available to:

Juristic entities which are trading

Applications for vacant land financing

Applications for properties not intended for residential use

Clients who have a loan product with the bank that is subject to a debt review consent order or a debit review restructuring payment plan

Foreign national or non-resident clients

FNB Home Owners Cover

Comprehensive building insurance to protect your building or home. Earn up to 15% back in eBucks on your premiums.

Qualifying criteria

•Individual: minimum income of R25,000 per month

•Joint application: at least one of the individuals must earn a minimum of R25,000 per month

•Be 18 years or older

•Have a clear credit record

•Meet the affordability criteria

•Have the legal capacity to sign a contract

Required documents

•South African ID book/card

•Proof of income (if self-employed, 5 years' of 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

Take the next step

Apply for an FNB Home Loan and enjoy exclusive rewards to celebrate key moments in your homeownership journey.

Pricing guide

Get started

Need to know more or want to start the process? Let us call you back.

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