Are 100% home loans with no deposit still available in South Africa?

Yes – thousands are approved every month using FLISP subsidy and bond originators.

Can I get a 100% bond with bad credit?

Yes – approvals common from ~580 credit score when using an experienced originator.

How much FLISP subsidy can I get?

R30,001 to R169,000 depending on household income – it acts exactly like a deposit.

ZERO DEPOSIT REQUIRED

100% Home Loans
No Deposit South Africa

Yes – you can still buy a home with zero deposit in South Africa. Thousands of first-time buyers and self-employed clients do it every month using FLISP + bond originators.

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You Could Qualify For

Estimated monthly repayment: R0

Many clients get this as a 100% bond using FLISP subsidy

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Yes – 100% Home Loans With No Deposit Are Still 100% Possible

First-Time Buyers

Never owned property before? You qualify for FLISP subsidy.

Self-Employed

Only 1–2 years financials needed with the right originator.

Bad Credit OK

Approvals from ~580 score when you use a bond originator.

How the FLISP Subsidy Makes 100% Bonds Happen

The government gives you R30,001 – R169,000 cash (depending on income) that acts exactly like a deposit. Banks then approve the remaining amount as a 100% bond.

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Banks That Still Offer 100% Home Loans

FNB, Absa, Standard Bank, Nedbank and SA Home Loans all approve 100% bonds daily when the application is packaged correctly with FLISP.

Stop saving for a deposit that never comes – get your home now with zero deposit.

100% Home LoansNo Deposit South Africa