Govenders Finance and Investments

First-time buyer assistance

First Home Finance — formerly known as FLISP — is a once-off, non-repayable government subsidy for qualifying first-time buyers, administered by the National Housing Finance Corporation (NHFC). This is an independent government programme, not a Govenders product.

Need the home loan pre-approval first? Start with Govenders Home Loans

Applied Through NHFC, Not Govenders

Apply on the official First Home Finance portal

NHFC does not accept applications submitted on a buyer’s behalf by a third party — you apply directly, yourself, through their own system.

Apply on the NHFC Portal

Eligibility

Check if you qualify.

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South African citizen (with valid ID) or permanent resident (with valid permit)
18 years or older and legally competent to contract
Combined household income between R3,501 and R22,000 per month
Have never benefited from a government housing programme before
Have never owned residential property before
Married, cohabiting with a long-term partner, or single with proven financial dependants
Hold in-principle home loan approval from an NCR-registered lender

Progress is saved in your browser only — it isn’t sent to or stored by Govenders.

Required Documents

What NHFC will ask for.

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Certified copy of ID document
Proof of South African citizenship or permanent residency
Marriage certificate, or divorce decree and settlement agreement, if applicable
Latest payslip or 3 months' bank statements as proof of income
Home loan approval letter or approval in principle from an NCR-registered lender
Signed Offer to Purchase for the property

Progress is saved in your browser only — it isn’t sent to or stored by Govenders.

This page is general guidance based on NHFC’s published programme information and is not a guarantee of eligibility or subsidy amount. Confirm current criteria and subsidy tables directly with the NHFC.

Get pre-approved, then apply for your subsidy.

Govenders can help with the home loan pre-approval NHFC asks for as part of your First Home Finance application.

Explore Home Loans

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