Hassle Free Home Loans


Let Us Help You Get Your Dream Home!
Buying a home is one of the most important life event decisions you will ever make. It is a long term commitment that may bring new financial challenges or opportunities along the way. At BRED Bank, we have taken the time, hassle and stress out of financing your home.

We have experienced staff that will provide professional advice on your loan. We offer fantastic interest rates and flexible loan repayment options for you. Our loan application process is fast and simple. Not happy with your current Home financier? Talk to us! We do refinancing so that you can avoid extra charges and save money for other important event in life. 

Features and Benefits

  • Competitive interest rates:
    • 1 year fixed - 4.45% p.a
    • 2 years fixed - 5.45% p.a
    • Variable - 6.25% p.a
  • Waived monthly Service Fee on Home Loan.
  • The interest rate applies on reducing loan balance.
  • Loan term up to 25 years.
  • Up to 80% financing of purchase or valuation price of property.
  • Joint loan option available.
  • Flexible repayment options (weekly, fortnightly or monthly).
  • No exit fees.
  • At a low switch fee for $300.00 you can rollover your interest rate to that years fixed interest rate (Banks Discretion).
  • With SUN insurance as our insurance partner you will have access to great home insurance protection coverage for*:
    • The Building in event of a Fire, Lightening, Explosion, Thunderbolt;
    • Burglary, Theft or Malicious damage;
    • Water Damage (Burst Pipes); and
    • Earthquake, Subterranean Fire, Volcanic Eruption, Tidal Wave or Tsunami.
    • Optional cover at additional premium:
      • Damage, destruction or loss to your house caused by Cyclone, Gale, Hurricane or Windstorm.
      • Current engineers’ certificate required.
      • Temporary accommodation of up to $5000 if your house is inhabitable after a loss caused by an insured peril.


How do I apply for a Hassle Free BRED Bank Home Loan?

Write to us at This email address is being protected from spambots. You need JavaScript enabled to view it. or visit your nearest BRED Bank Branch. BRED Bank branches are located in Suva, Nausori, Nadi, Namaka and Lautoka. In addition, BRED Bank has a Kiosk at Tappoo City Building, Level 4.


Fees and Charges


Switch Fee:

$300.00 payable when switching between the loan

repayment type, changing loan term or fixed and

variable interest rate options.



Inspection & Drawdown Fee:

$75.00 for each inspection and/or loan drawdown.



 Loan Arrears Fee:

 $25.00 applicable when repayment is not paid in full

within 5 days from its due date.



Facility Approval Fees (new loans and increases to existing loans):

Up to: $100,000.00


$100,001.00 - $250,000.00


Above $250,001.00




Service Fee (waived):

Up to: $1,000.00

$5.00 per month

$1,001.00 to $4,999.00

$10.00 per month

$5,000.00 to $9,999.00

$15.00 per month

$10,000.00 to $19,999.00

$20.00 per month

$20,000.00 to $49,999.00

$25.00 per month

$50,000.00 to $99,999.00

$35.00 per month

$100,000.00 to $499,999.00

$50.00 per month

$500,000.00 to $999,999.00

$100.00 per month

$1,000,000.00 and above

0.025% per month



Terms and Conditions apply.
*SUN Insurance terms and conditions apply.