Applying For An FNB Home Loan?

FNB Home Loans is currently one of the largest mortgage lenders in South Africa, and have developed some of the most unique home loan products currently available.
The bank offers a wide range of home finance options to suit your needs, including 100% home loans, Access Bonds and the FNB One Account

Traditional Home Loan

Take out this loan when buying an existing residential property.

Building Bond

You can apply for a building bond if you are intending to build a home. Once the building is completed, your bond will revert to a normal home loan.

Smart Bond

The Smart Bond is a housing finance product for households that earn less than R10 000 and more than R2 500 per month. If you are planning to build your own home, the Smart Bond Building Loan will take care of your building needs.

Foreign Choice

This allows a foreigner or a South African who has emigrated to purchase a property in South Africa.

One Account

The One Account is an innovative product, secured by your home, that fulfills all the functions of a cheque account, overdraft, personal loan and home loan.
Choose the right facility for you

When applying for a facility on your home loan product, an affordability assessment will be done to find out exactly how much additional finance you can access.

Flexi Bond

You get access to surplus home loan funds 24 hours a day, 7 days a week if you have a transactional account with FNB. Alternatively, access to funds is available during business hours. Surplus funds include any prepayments, as well as a percentage of capital you have already repaid on your home loan up to a pre-determined limit.

Future Use

This enables you to register a bond greater than the home loan amount you require, creating an extra amount that may be accessed at a later stage.

Pre-Paid Finance

Withdraw any additional money that you have paid into your home loan account.

Repayment Choice

Increase your monthly instalment and save on interest. This also allows for you to pay off your home in a shorter period of time.


This gives you access to the funds that make up the difference between your original registered home loan and the outstanding balance.

Further Bond

Obtain funds by registering an additional amount over and above your original registered bond amount.

Interest Rate Options

Fixed Rate

For the duration of your contract period (12, 18 or 24 months), the interest rate on your home loan remains fixed and is unaffected by any rise or fall of general interest rates.

Variable Rate

This is the standard interest rate option. The interest rate varies in line with current interest rate movements.

BA Linked Rate

The interest rate is directly linked to the publicly quoted three-month SAFEX BA rate (Bankers Acceptance Rate) and offers a highly competitive means of financing your home loan.

Home Loan Insurance

Home Owner’s Cover

This insures your house and any structural improvements to the property. This cover is compulsory with any FNB home loan.

Home Loan Protection Plan

This plan provides peace of mind in the unforeseen events of death, temporary and permanent disability and retrenchment.



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