First National Bank Home Loans

First National Bank (FNB) offers one of the most flexible home loan products in South Africa. As one of the four biggest banking institutions in SA, FNB is able to provide you with a product which best suits your personal needs.

Apply to FNB Home LoansFor all your family, education, future or financial needs, FNB home loans are tailor-made to let you live your own life.

Where to begin?
FNB offer a number of different home loan products, which are geared towards ensuring that your property investment is a profitable one.

Types of Home Loan products offered:
FlexiBond – this product allows you to have 24hour access to the funds available in your home loan. FlexiBond provides the piece of mind of knowing you can call on these extra funds whenever you need it, be it for an emergency or to do a few renovations. This is an easy access bond.
FutureBond – For all your family, education, future or financial needs, the product has been tailor-made to let you live your own life.

How To Apply:
Below is a list of approve FNB Home Loan providers; visit anyone of these top mortgage originators to submit your homeloan application online now.

Click and Apply Online Now!

Click Here to speak to a consultant who can assist you in navigating the complex world of property finance.

13 thoughts on “First National Bank Home Loans”

  1. I wish to have a house in Dobsenville area. I currently live with my family of five in one room and im a firstime buys. i need to know if I can qualify to get a loan to buy my own house. Can you help? I am currently earning R6000.00 per month.

  2. Hi

    I currenlty have a joint homeloan with my partner. We however saw a home we would like to buy to rent or sell at a profit. Can we get a second home loan, even though we have a current one?

  3. I’m in the market to buy a second home. Do banks still offer pre-approvals bonds? And if so which banks?

  4. I want a homeloan but im on itc not blacklisted but arrears is there a place that can help me obtain a homeloan were i can also pay off my debt it is not that much it is about 20 000 rand

  5. Hi there, I wonder if you could give me some advice. I am earning a good salary and I am looking to buy a home is there any bank that is willing to finance me although I am blacklisted.

  6. I found your blog on google and read a few of your other posts. I just added you to my Google News Reader. Keep up the good work. Look forward to reading more from you in the future.

  7. I wish to have a house in Tembisa area. I currently have a home loan with Nedbank applied for by my dad when he was still alive. I need to know if I can still qualify to get a loan to buy my own house. Can you help? I am currently earning R6000.00 per month.

  8. I have spoken to an FNB Homeloan consultant (name known but will not divulge at this point)based in JHB dated 14/01/2006 via the Pavilion FNB requesting the process to facilitate a future bond. He was very helpful but suggested that a consultant will contact me to initiate the process…..well up to this date, I had NO response.
    Dialling the JHB branch on 011-3532303 and holding on for “ages” is frustrating and no option on the telephone system to leave a message.

    Can somebody please attend to my query.

    Vikash Cheddy


    Hi Vikash, is NOT a division of FNB Home Loans. We’re completely independent and serve to offer South Africans as much information as possible about Home Loans in SA.

    If you like, you can complete your contact details on this Short Form and one of our Consultants will be able to walk you through the whole process and actually help you complete a home loan application.

    In the meantime, check out the FNB web site. There you’ll find loads of information about the Future Bond home Loan.

    1) Complete this Short Form
    2) Visit FNB Home Loans – Future Bond

  9. Hi
    Is it possible to obtain a pre-approved homeloan? In other words where one has not yet identified the property one wishes to purchase?


    Hi Sherlene

    Home Loan Pre Approval certificates can be granted if you do not already have a property identified. The certificate is used to strengthen your offer-to-purchase (once you’ve found a property) and is helps to focus your search for a property within your budget.

    You can apply for a pre-approve certification online. Simply complete this short form and a consultant will contact you.

  10. Patricia Lekhehle

    Can I borrow on my home loan account.


    Hi Patricia,

    Borrowing money from your home loan is one of the best ways to pay off debts such as personal loans or credit cards. If your home loan is currently lower than the value of your property you can request a re-advance on your mortgage, alternatively you can switch your bond and apply for extra funds in the process.

    If you would like to borrow money from your account please complete this form online and a consultant will contact you with further assistance.

  11. What subsidies do first time bond applicants qualify for? A friend told me they got R20 000.00 when they bought a house – can you explain?


    Thank you for your question.

    The subsidy that your friend is referring to is a benefit that he received from his employer, usually people who work for governmental departments receive housing subsidies.

    The subsidy can be in the form of a lump sum [like in your friend’s example] or in the form of monthly payments. When applying for homeloan finance through a recognized financial institution, you won’t be able to receive a subsidy.

    In conclusion housing subsidies originate from employers and depends on your benefit package with the company you work for.

    To find out more information on home loan subsidies, speak to one of our consultants.

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