FIRST HOME FINANCE – NEW APPLICATION SUBMISSION
The window for new subsidy applications opens on 3 August at 08:00 and closes on 5 October at 17:00.
First Home Finance Subsidy Origination Partners and individual applicants must ensure that the correct supporting documents are submitted with their applications. Incomplete applications will be rejected and must be resubmitted through the Online Application Portal during the open window.
Click the link for the checklist of supporting documents https://firsthomefinance.co.za/checklist-approvals/
The First Home Finance Online Portal will be closed on the above specified date and as such, no applications will be accepted outside the open window. Future application open windows will be announced periodically by the NHFC and we encourage all interested potential applicants and Subsidy Origination Partners to keep an eye on all official NHFC and First Home Finance channels
Please note that the Pre-Approval and Disbursement functions remain open during both open and closed window periods.
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FIRST HOME FINANCE – NEW APPLICATION SUBMISSION BY NHBRC REGISTERED HOME BUILDERS
Please note that you are required to reach 80% of completed houses from your total approvals before submitting new applications. You will also only be allowed to submit applications in line with your NHBRC P-Factor (Provisional) as reflected on your valid NHBRC certificate.
Contact Business Development at fhf_bd@nhfc.co. za for more information.
SOCIAL HOUSING FINANCE
Debt funding of up to 30% to SHRA accredited SHI’s or ODA’s to develop subsidised rental accommodation;
Private Rental Housing Finance
Medium to long development finance to private property practitioners (landlords/developer) to construct affordable rental units for low-to-middle income markets;
AFFORDABLE HOUSING BRIDGING FINANCE
Bridging finance to developers to construct affordable housing units and service stands for sale in the low-to-middle income markets;
Incremental Housing Finance
Wholesale funding to NCR registered credit providers who on-lend to homeowners in the low-to-middle income market, to improve housing conditions.
PROGRAMME & FUND MANAGEMENT
Non-financial assistance to support development
FIRST HOME FINANCE
Reducing or supplementing initial home loan amounts
EQUITY FINANCE
The primary instrument of investing by the NHFC remains debt funding with risk based loan pricing. However, over time, the NHFC has identified opportunities to take equity (& quasi equity) risk in investment opportunities aligned to our strategy
RE-INVITATION FOR NOMINATIONS OF CANDIDATES
FOR THE NATIONAL DEPARTMENT OF HUMAN SETTLEMENTS’ DATABASE FOR SELECTION OF THE BOARDS OF DIRECTORS (BOARDS) OF COMMUNITY SCHEMES OMBUD SERVICE (CSOS), HOUSING DEVELOPMENT AGENCY (HDA), NATIONAL HOUSING FINANCE CORPORATION (NHFC), NATIONAL HOME BUILDERS REGISTRATION COUNCIL (NHBRC), PROPERTY PRACTITIONERS REGULATORY AUTHORITY (PPRA), SOCIAL HOUSING REGULATORY AUTHORITY (SHRA), OFFICE OF DISCLOSURE, SECTIONAL TITLES SCHEMES MANAGEMENT ADVISORY COUNCIL AND NATIONAL HOME BUILDERS REGISTRATION COUNCIL ADVISORY COMMITTEE
WELCOME TO THE NHFC
The NHFC exists to ultimately serve low-to-middle income households by giving them the opportunity to live with dignity. The NHFC facilitates end to end solution which addresses the human settlement funding and financing needs, by providing various funding instruments to suit specific intervention required.
The instruments can be segmented into two categories being development/project finance and funding through retail intermediaries to the following type of entities:
- Social Housing Institutions (SHI),
- Other Delivery Agents (ODA),
- Developers
- Contractors,
- Micro Finance Institutions (MFls),
- Co-operative Finance Institutions (CFls), Community Based Organisations (CBO) and Housing Co-operatives.
The NHFC also provides the following services to Local and Provincial authorities:
• Construction support,
• Strategic partnership, and
• Fund management.
In addition, the NHFC administers the FIRST HOME FINANCE which is a grant programme for first home owners.
ABOUT US
OUR PURPOSE, MISSION & VALUES
Our Purpose is to Serve the South African households evolving needs of access and affordability to adequate housing, in quality living environment, and our Mission is to provide innovative and affordable housing finance solutions for the low-to-middle income market. We do this by applying our Values, which are Accountability, Collaboration, Excellence, Leadership, Integrity, Innovation, Diversity, Ubuntu and Professionalism.
OUR MANDATE
The NHFC provides wholesale funding in the affordable housing market mainly to social housing institutions, non-banking retail intermediaries, privately owned property developers, construction companies and investors. It also provides loans and other form of wholesale funding (equity and quasi equity) to certain niche businesses that are in the affordable housing market.
The NHFC delivers on its mandate as prescribed in the Government Gazette of 1997 performing…
Trust us, Talk to us…
NHFC is committed to the highest ethical, moral and legal standards in the conduct of its business. At NHFC ethical behavior is the responsibility of every person in the company and is reflected, not only in our relationships with each other but with out customers, suppliers, shareholders, and other stakeholders. In line with this commitment, we expect our stakeholders, who may suspect or become aware of any violation of this commitment to communicate these matters through the appropriate channels provided by NHFC.
Contact the NHFC Fraud and Ethics line
FreeCall: 0801 212 341 | E-mail: nhfc@thehotline.co.za
Mobile Application: Vuvuzela Hotline app – download from Google Play Store, use 0801 212 341 to report
SMS: 30916
FreeFax: 0867 261 681 | Website: www.thehotline.co.za – use 0801 212 341 to report
FreePost: PO Box 10512, Centurion, 0046
Page updated 20 July 2026