Get your NHT loan at select financial institutions.
The NHT offers loans to build, buy or repair/improve your home to qualified NHT contributors.
Each loan type has a different loan limit which each eligible contributor can access subject to their individual affordability. Affordability is determined by your age and also your income. For more information on the different loan limits, check out the NHT loan limits.
Up to
100%
Financing
Up to
40
Years to Repay
Interest Rates from
0%
Up to
2
Co-applicants
Need a loan?
Your journey home begins with the NHT.
Whether you wish to build, buy or improve a house, the NHT has the loan and the facilities to help you achieve your goal.
Get Ready!
Find out your affordability and then gather the necessary documents.
Apply
Apply for your loan at the NHT or one of our EFM partners (These are financial institutions from which contributors can access their NHT loans).
Get Approved
Receive your commitment letter.
Home Buyer Loans
Step into your new home with a Home Buyer Loan.
If you do not own a house and you have never received a loan from the NHT, you can apply for a Home Buyer’s Loan and you may even join with a qualified co-applicant or two immediate family members. Other Loan options may be available to you if you do own a house under some special circumstances.
- NHT Scheme House Loan
- Open Market Loan
- NHT Serviced Lot Loan
- 7+ Homebuyer Loan
- Build 9
- House Lot
Home Builder Loans
Build a house you’ll be proud of.
If you do not own a house and you have never received a loan from the NHT, you can apply for a Home Builder's Loan and you may even join with a qualified co-applicant or two immediate family members. Other Loan options may be available to you if you do own a house under some special circumstances.
- Build on your land Loan
- Buy Land & Build Loan
- Team Builder Loan
Home Improver Loans
Make upgrades to your home, affordably.
If you have a house that you want to improve and have never received a loan from the NHT or it has been at least 7 years ago, you can get a loan from us. Other Loan options may be available to you if you do own a house under some special circumstances.
- Seven Plus (+7) Loan
- Home Improvement Loan
- Solar Panel Loan
- Solar Water Heater Loan
- SMART Energy Loan
NHT Interest Rates
The interest rate of your NHT loan is determined by your weekly income band
Minimum wage to $30,000.99
$30,0001 to $42,000.99
$42,0001 to $100,000.99
$100,001 and above
Where contributors are co-applying, the applicable interest rate for the loan will be calculated using an average of all incomes of the applicants. A single interest rate will be applied to the total loan amount as a single loan and the names of all borrowers will appear on the title.
Have a loan?
Make your NHT Loan Payment Early.
Ensure that you are making timely monthly payments on your loan. Payments can be made in several different convenient ways and covers the following:
- Late Fees
- Life and/or Peril Insurance
- Interest
- Principal
Additional Loan Options
Special Loan Facilities
The NHT has a wide range of special loan facilities that can be accessed once a contributor has met the necessary requirements.
Home Grant
This is a special offer of up to $3.5 million, to NHT contributors now earning between minimum wage and $30,000.99 per week, and who do not yet own a home.
Microfinance Loan
Contributors who earn $86,000 or less weekly, are able to borrow a maximum of $1.1 million at any one point, up to a maximum of $1.95 million.
Smart Energy Grant
The Smart Energy Grant offers public and private sector pensioners up to $1.5 million to enhance their homes with energy-saving technologies.
Yes, the NHT assists with the deposit in two ways. 1. If you have paid the 5% minimum deposit, and the vendor requires a larger deposit amount, the NHT will assist if the house/lot being purchased is less than the loan that you are eligible for. 2. The NHT will allow you to use contributions not yet due for refund to offset your deposit under the Contribution Refund Towards Deposit (CRTD) facility. Up to 6 years contributions can be used.
Starting July 1, 2025, eligible "private sector" mortgagors can apply for their 2017 contributions refund. These refunds were previously reversed from their loan accounts, effective January 1, 2025, and posted to their savings accounts for possible refund in hand.
If you are an NHT mortgagor, your r refunds will be credited to your loan account. Please note however that if you received your NHT loan as a combined mortgage with another institution or through the Joint Finance Mortgage Programme (JFMP) your refund will be paid directly to you.
