The decision to own your own home is one of the most exciting and important decisions that you will ever make. Thanks to our mortgage loan solution this decision is now an easy one. We offer highly competitive mortgage rates together with flexible repayments. Provided you qualify your dream home can be yours!


✅  Flexible repayment terms when assessing ability to repay (joint, rental and alternative incomes will be considered). Joint income from spouse, siblings & children will be considered in assessing repayment ability
✅  Flexible terms for construction loans
✅  Mortgage Protection Insurance (MPI) cover without the need for medical checkup, retrenchment cover and social perils cover included
✅  Competitive Interest rates
✅  Access to all other First Capital banking products (e.g. Overdrafts, credit cards, current, savings and investment accounts)


  • Proof of income
  • Proof that you can meet the 10% financing and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.

Details and Pricing

  • Competitive interest rates.
  • Negotiation Fee -2.5% of loan amount
  • Ledger Fees
  • Legal Fees
  • Valuation fees

Fill in your details below and a First Capital Bank representative will contact you with further details.