FNB home loans

Lends up to

110% of the property value

Longest term

30 years

Graduates under 35

With an NQF 5 or higher qualification: interest only for the first 24 months, at a rate fixed at registration

Attorney fees

50% off bond registration for first-time buyers, or when you apply in the FNB app

What's new at FNB

In April 2026 FNB launched a home loan for graduates and young professionals under 35. For the first two years you pay only the interest, at a fixed rate, which keeps the early repayments lower while your income grows. After that the loan repays like a normal bond.

FNB's figures here come from FNB's own announcement of April 2026. FNB's product pages don't show them in a form we could check, so confirm them in the offer you get.