FLISP subsidy

First Home Finance (formerly FLISP) subsidy for qualifying first-time buyers.

First Home Finance · NHFC 2026 table · Final amount set by Human Settlements · Updated May 2026

First-time home buyerSouth African citizen / permanent residentHas dependentsPre-approved bond (in principle)

You qualify for up to

R 107 596

Paid directly to your bond account on registration.

Subsidy is paid to your bond account on registration. Consult your bond originator to apply.

Next, check:

Household income band

The subsidy tapers with income — higher at the R 3 501 end, lower at the R 22 000 end.

Table is set by NHFC; refreshed annually.

Dependents

Having dependents does not change the subsidy amount, but is a standard eligibility signal for Human Settlements.

Citizenship status

You must be a South African citizen or permanent resident. No exceptions.

This calculator is for illustrative purposes only and does not constitute financial advice.