Fiji 💰 FJD Last updated2026-05-28

Home loan Calculator Fiji

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Quick answer (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.

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Mortgage Calculator

USD

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$2,838

PITI

Principal + Interest

$2,255

48% goes to interest

Total Interest

$326,516

over 25 years

Monthly Breakdown

Principal & Interest$2,255

Property Tax (1.1%/yr)$401

Homeowner's Insurance (0.5%/yr)$182

Total Monthly$2,838

Principal vs Interest Split

52% principal

48% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

Home loans in Fiji

Typical loan

$350,000

in Fiji

Typical rate

6% p.a.

prime borrower, 2026

Typical term

25 years

most common

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.

🧮 Worked example

A FJ$ 350,000 mortgage at 6.0% over a 25-year term

Loan amount

$350,000

Annual interest rate

6%

Term

25 years (300 months)

Monthly payment

$2,255

Total interest paid

$326,516

Total paid (principal + interest)

$676,516

❓ FAQ (Fiji)

Common questions in Fiji.

Can non-residents buy property in Fiji?

The Land Sales Act 2014 restricts non-residents from purchasing freehold residential land inside town and city boundaries unless the property is valued above FJ$1 million or is at least an acre of undeveloped land. Leasehold acquisition through iTaukei Land Trust Board terms is more flexible.

How does FNPF help with buying a home?

The Fiji National Provident Fund permits members to withdraw up to 30% of their accumulated balance for a deposit or to repay an existing mortgage. This General Housing Withdrawal scheme is the main source of deposit equity for most Fijian first-time buyers.

What is the role of HFC Bank?

HFC Bank — formerly Home Finance Company — was Fiji's original specialised housing lender, now a fully licensed commercial bank. It retains a strong housing focus and runs niche products like the First Home Buyer Scheme.

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