Showing Fiji because that’s where you are.
Fiji 💰 FJD Last updated2026-05-28 Home loan Calculator
Fiji
A FJ$ 350,000 mortgage at 6.0% over a 25-year term works out to a monthly payment of about $2,255, with total interest of $326,516 over the full term.
Mortgage Calculator
CFP® with 12+ years in mortgage & retirement planning.
Local context Home loans in Fiji
Market overview
Fiji's mortgage market is led by Westpac Banking Corporation Fiji, ANZ Fiji, BSP Financial Group (Bank South Pacific) Fiji, Bank of Baroda Fiji and HFC Bank (Home Finance Company), with the Fiji National Provident Fund (FNPF) a major secondary mortgage market through housing withdrawals. The Reserve Bank of Fiji held its Overnight Policy Rate at 0.25% through 2026 as part of an accommodative stance supporting the post-pandemic tourism recovery. Suva, Nadi and the Denarau corridor dominate demand, with strong activity in the Pacific Harbour and Savusavu lifestyle markets.
Why 6% is the typical rate
Mortgage rates of 5.5–7% remain well above the 0.25% OPR because retail bank funding costs sit well above the policy rate and the RBF's rate is more signalling than pass-through.
Tax & regulatory notes
Stamp Duty under the Stamp Duties Act is 3% on conveyances above FJ$30,000 plus capital gains tax of 10% under the Income Tax Act 2015 on non-principal residences. The Land Sales Act 2014 restricts non-residents from purchasing freehold residential land within municipal boundaries unless the property exceeds FJ$1 million or is undeveloped land of at least an acre. FNPF members can withdraw up to 30% of their balance for a first home deposit under the General Housing Withdrawal scheme.
Local banks Fiji mortgage rates by bank
The main home loan lenders in Fiji, with indicative 2026 rates and typical loan-to-value caps. Rates vary by borrower profile, residency and property type — use the calculator above with each bank's quoted rate to compare your real monthly payment.
HFC Bank
Fiji's home-finance specialist (majority-owned by the FNPF pension fund). The first stop for most local buyers in Suva, Nadi and Lautoka, with first-home packages and construction loans.
BSP (Bank South Pacific)
The largest bank in the Pacific with a big Fijian mortgage book. Competitive owner-occupier rates and lending against both freehold and approved iTaukei-lease land.
Westpac & ANZ Fiji
The two Australian banks compete for salaried professionals and expatriates; useful for buyers wanting offshore-income assessment on Fijian property.
FNPF withdrawal scheme
Fiji National Provident Fund members can withdraw part of their pension balance for a housing deposit or to reduce an existing mortgage — commonly stacked with an HFC or BSP loan.
Indicative rates compiled from public bank disclosures and central-bank data for 2026; not a quote or an offer of credit. Confirm current terms directly with the lender.
A FJ$ 350,000 mortgage at 6.0% over a 25-year term
$350,000 6% 25 years (300 months) $2,255 $326,516 $676,516 
