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Author NHFC. Screenshot of NHFC website.
[Accessed January 24, 2023]

About NHFC

It is part of everyone’s dream to purchase their own home one day but, with the current economic climate in the country, it is easier said than done.

This is why the National Housing Finance Corporation (NHFC) works hard to make housing accessible and affordable for those who form part of the low to middle-income groups.

What they aim for

The NHFC is only one of several Development Finance Institutions that have been put into practice by the government with a focus on improving the current socio-economic status of the country. And one of the challenges that they aim to tackle is the provision of affordable housing for South Africans who form a part of the low- to middle-income groups.

The NHFC was established in 1996 and has since assisted thousands of South Africans to fund their dream homes. As a means of providing more sustainable funding, they search for ways to mobilise more affordable housing finance from a wide spectrum of lending organisations.

Delivering on their promises

To ensure the provision of sustainable housing projects, the NHFC grants project finance to Social Housing Institutions and Property Practitioners who are responsible for the creation of projects aimed towards property development. By partnering with various Retail Financial Intermediaries, they are able to increase access to sustainable lending and mobilise the funds for affordable housing development.

Development companies who are affiliated with them are also able to access innovative financial funding products such as government housing subsidies to further enable the completion of their projects.

NHFC Services

The NHFC is responsible for arranging various funding projects for the furtherment of housing development in South Africa.

If you are interested in obtaining funding for such a project, then have a look at the different funding programs they are currently offering access to.

NHFC funding programs

Their funding programs are geared towards creating housing solutions for the low- to middle-income markets by blending risk and sustainability. This funding is provided to the intermediaries that they are partnered with and they continue to provide support to these partners throughout the development process.

The funding is provided on the condition that 30% of the houses in development will be made accessible to those who fall within the low- to middle-income brackets.

Homeseeker funding

While they do not provide funding directly to the home seekers in need, they enable the ability for them to one day find a home by assisting the housing developers responsible for the projects. However, to qualify for access to these funds the home seeker needs to fall within the low- to middle-income bracket.

From here the home seeker can approach a financial institution and apply for a home that falls within the NHFC’s funded projects. When assessing the application, the SHIs will individually consider each loan application and provide them with an offer that is unique to their financial circumstances and needs.

NHFC – Home loan

  • Loan Type Home Loans

Benefits of NHFC

  • Top-up subsidy amounts by the government
  • Funding required for building materials
  • Purchasing additional property
  • Servicing land or paying for additional building works

Fund your dream home with NHFC

Do not allow poor financial circumstances or financial difficulties to prevent you from earning the home you have always dreamt of.

Instead, contact their offices or visit a financial institution and request to see their project list. Your better future could be one application away.

Who are their services aimed at?

Their target market includes anyone that earns a combined monthly salary between R1 500 and R15 000. While these people are often capable of maintaining their running household costs, accessing bank funds is often impossible due to problems with bad credit or a simple lack of necessary cash flow.

Do you qualify?

To qualify to apply for their funding projects the application needs to fit the following requirements:

  • South African citizen or permanent resident
  • Be over the age of eighteen
  • Have an individual or household income between R1 500 and R15 000 per month
  • Have a current employment contract of at least two years
  • Have the means to afford the loan being applied for

Completing the application

To complete the application for their funding all you need to do is visit one of the affiliated financial institutions or complete the application online. The process is really simple and easy – it should only take a few minutes. If you have any questions, feel free to contact them and they can answer any and all questions on your mind

Customer Reviews & Testimonials

October 2019

The NHFC does excellent work for the country and so many have been able to access more affordable homes because of their sustainable projects. Keep up the good work!

Zoleka H
— Grahamstown —

July 2019

A noble cause that is helping so many South Africans access housing. Thank you for your hard work and dedication. I know someone in the family that was able to access housing because of you and i...

Sean P
— Cape Town —

NHFC Contact

Contact Number



Physical Address

  • 11 Boundary Rd, Houghton Estate Sandton Gauteng 2198 South Africa
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Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed