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Am I eligible?

First Home Finance (the subsidy previously called FLISP) adds government money to a first-time buyer's deposit. Thirty seconds tells you whether your household is in the band, roughly how much it adds, and which homes fit.

What could First Home Finance add for you?

One number, no sign-up, nothing stored. Estimates follow the NHFC's 2023/24 sliding scale — the exact amount always comes from the NHFC when you apply.

Your household's gross monthly income (before deductions, everyone who will own the home)

The subsidy is for households earning between R 3 501 and R 22 000 a month.

What else must be true to qualify?

First-time home buyer, 18 or older, SA citizen or permanent resident.
Married, cohabiting, or single with a financial dependant.
Never received a government housing subsidy before.
A home loan (or other NHFC-approved finance) approved in principle.

This is general information, not financial advice, and we are not the NHFC or a lender. The NHFC's decision on any application is the only one that counts.

After the estimate, the real steps

Get a home loan approved in principle — any bank, or via a bond originator.
Apply to the NHFC (the government's housing finance company) with your loan approval, ID, proof of income and household details.
The subsidy is paid into the deal — it reduces your bond or covers costs.

Full detail, including the documents list: how First Home Finance works →

Estimates follow the NHFC's 2023/24 published scale. We are a property advertising site — not the NHFC, not a lender, and nothing here is financial advice.