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Refinance my home loan

Get additional finance for large expenses by releasing equity from your home loan for home renovations.


A readvance allows you to release equity on your residential property (that you already own or have invested in) to improve your liquidity position.

These properties are either bonded or unbonded and FNB will issue a new bond or register additional bond.


This allows you to:

  • Withdraw the additional funds if required.
  • Save a substantial amount of interest over the term of the loan.
  • Pay lump sums or additional funds into your home loan. Your monthly repayment will remain unchanged in order to allow you to easily withdraw the additional funds.
  • Apply for a minimum prepaid amount of P10 000.