FNB Home Loans Contact Details

For FNB Home Loans contact, use 087 730 11 44 for general home loan queries. If you are struggling with repayments, need payment arrangements, are under debt counselling or are dealing with a Quick Sell property, use 087 730 11 00; the repayment and debt counselling contact also lists collarr@fnb.co.za. Building Loan queries have a separate number, 087 730 11 33.

These details come from the FNB Home Loans contact page on fnb.co.za, read on 16 September 2026, together with FNB’s guide to cancelling a home loan. ContactDetails.co.za is an independent directory. We are not FNB, and we cannot see your bond, issue a settlement figure or change a repayment.

FNB Home Loans contact numbers and email

What it is for	Contact
FNB Home Loans, general home loan queries	087 730 11 44
Repayment options, including arrears and payment arrangements	087 730 11 00, collarr@fnb.co.za
Debt counselling on a home loan	087 730 11 00, collarr@fnb.co.za
Quick Sell properties	087 730 11 00
One Account (FNB’s access facility on a home loan)	087 730 1111
Building Loan	087 730 11 33
Smart Bond	087 736 6000
Compliments, queries and complaints in writing	“Write to us” forms on the FNB Home Loans contact page

FNB’s Home Loans contact page does not publish operating hours or a general home loans email address. The collarr@fnb.co.za mailbox is listed only against repayment options and debt counselling, so use it for those matters rather than for new applications.

FNB Home Loan application and general queries

For a general FNB Home Loan query, including a question about the home loan service rather than one of the separate products below, the listed number is 087 730 11 44. FNB’s home loan section covers buying a home with a new home loan, accessing funds on an existing home loan for improvements or a further property, and switching a home loan from another bank to FNB.

The page does not list a general FNB Home Loans email address for new home loan application queries. The email address collarr@fnb.co.za is specifically associated with repayment options and debt counselling, so it should not be treated as the general application mailbox.

FNB is a division of FirstRand Bank Limited, an authorised financial services and credit provider (NCRCP20). Its head office is 4 Merchant Place, corner Fredman Drive and Rivonia Road, Sandton 2196 (postal: PO Box 650149, Benmore 2010). Home loan matters are handled by phone, online banking and your attorney rather than at head office.

FNB Home Loan repayments, arrears and financial relief

For repayment options, including arrears and payment arrangements, FNB lists 087 730 11 00 and collarr@fnb.co.za. The same number and email are listed for debt counselling on a home loan. If your query concerns a Quick Sell property, the listed number is also 087 730 11 00.

Because these contacts are specifically tied to repayment options and debt counselling, they are the relevant route on this page for a home loan customer who is having difficulty with repayments. A general home loan question should instead go to 087 730 11 44.

FNB Building Loan, One Account and Smart Bond contacts

FNB lists separate numbers for several home loan products. Building Loan queries go to 087 730 11 33. One Account, described by FNB as its access facility on a home loan, uses 087 730 1111. Smart Bond uses 087 736 6000.

Using the product-specific number avoids sending a Building Loan or Smart Bond query through the general home loan route. Decide which product your question concerns before calling, particularly where the query relates to a building draw, One Account access or Smart Bond.

Selling your home, cancelling a bond and FNB Home Loans refunds

If you are selling your home or settling the bond before the end of the loan term, FNB’s cancellation guide sets out the process and the amounts that can form part of the settlement figure.

• You must give FNB notice if you intend to sell or cancel your bond before the end of the loan term. The cancellation request itself is sent to FNB by the attorney you nominate.
• FNB says it now waives the early termination fee that could otherwise be charged when the required 90 days’ notice is not given.
• The settlement figure includes the outstanding balance, interest to the payment date, monthly service fees, an amount equal to one debit order, and any home owners cover, credit life premiums or legal fees paid through the loan. Attorney cancellation costs are not included and are paid to the attorney directly.
• Keep paying the normal instalment during cancellation. Missing it puts the account into arrears and can affect your credit record.
• FNB retains the final debit order for 40 days after the bond is cancelled, then refunds any surplus from the sale proceeds as arranged with you and the attorney.
• Once the loan is under cancellation, you can no longer view it in online banking, so save statements beforehand.

Settlement and cancellation figures are issued to your attorney. If you receive an email with “updated” bank details for a bond settlement, confirm the payment instruction with FNB on 087 730 11 44 before paying.

FNB Home Loans complaints and debt review escalation

For a problem with the home loan service, first use the contact for the relevant product or use 087 730 11 00 where the issue concerns repayments, then note the reference you are given. If the matter is not resolved, FNB provides a “Write to us” complaints form on its Home Loans contact page.

If FNB does not resolve the complaint, the existing page directs customers to the National Financial Ombud Scheme on 0860 800 900 or info@nfosa.co.za. FNB’s page still names the Ombudsman for Banking Services; that office now forms part of the National Financial Ombud Scheme, which uses the same number.

If you are under debt review, FNB’s page also refers to the National Credit Regulator on 0860 627 627, printed on FNB’s page as 0860 62 76 27, which registers debt counsellors.

Frequently asked questions

What is the FNB Home Loans contact number?

The general FNB Home Loans contact number listed on the page is 087 730 11 44. Repayment options, arrears, payment arrangements and debt counselling use 087 730 11 00.

What is the FNB Home Loans email address?

The email address listed is collarr@fnb.co.za, specifically for repayment options and debt counselling. FNB’s Home Loans contact page does not publish a general home loans email address.

Which number is used for an FNB Building Loan?

The Building Loan contact number listed by FNB is 087 730 11 33. Smart Bond has a separate number, 087 736 6000.

Who do I contact about FNB Home Loan repayment problems?

For repayment options, including arrears and payment arrangements, use 087 730 11 00 or collarr@fnb.co.za. These same contacts are listed for debt counselling on a home loan.

Does FNB refund money after a home loan is cancelled?

FNB’s cancellation guide says it retains the final debit order for 40 days after the bond is cancelled, then refunds any surplus from the sale proceeds as arranged with you and the attorney.

Sources

• fnb.co.za/home-loans: Home Loans contact page and product call panels, read 16 September 2026
• fnb.co.za: Cancelling your home loan guide, read 16 September 2026
• nfosa.co.za and ncr.org.za published contact details