Deposit Helper Calculator

See how much deposit you need, how much you already have, and how long it might take to get the rest.

This is a simple guide only. Every bank, Merchant Finance and FNPF application has its own rules. Use this to see where you stand, then talk to us before you make big decisions.

1. Property and deposit target

Start with your lender type, a rough property price and a deposit goal.

Lender type Standard bank or Merchant Finance first-home option

Target property price House, land, or house + land

Bank deposit percentage Most banks sit around 10–20%

Extra % for costs For lawyers, valuation, basic setup

Standard banks usually want a deposit (often 10–20%). Merchant Finance also has a first-home option that can go up to 0% deposit for eligible buyers – but you still need money for costs like legal, valuation and fees.

2. Money you can put towards the deposit

Put in what you can use: savings, FNPF for housing, family help and any extra lump sums.

Cash savings Money already in the bank

FNPF for housing Rough amount you think you can use

Family help or gifts Money parents or relatives may give

Other lump sums Bonus, tax refund, commission, etc.

Monthly savings Real amount you can save each month

This calculator keeps things simple on purpose. It doesn’t know every bank fee, rule, Merchant Finance condition or FNPF form. When you are serious about a property, send us the results and we’ll match it to real lender and FNPF rules.

📩 Share these numbers with Flagship

Your deposit snapshot

Let’s see how close you are…

Fill in your numbers and hit “See my deposit position” to see where you stand.

Total deposit goal

–

This is the deposit + basic costs you’re aiming for on that price.

Total % target: –

Money you already have

–

Your savings, FNPF for housing, family help and other lump sums.

% of target covered: –

Effective deposit %: –

Shortfall and time

–

We’ll estimate how long it may take at your current savings rate.

Once you have entered your numbers, we’ll explain in plain English what this means for you.

See detailed breakdown

Property price: –
Deposit (without costs): –
Extra for costs: –
Total deposit + costs: –

Cash savings: –
FNPF for housing: –
Family help / gifts: –
Other lump sums: –
Total available now: –

Monthly savings: –
Estimated months to reach goal: –

Colour guide (same as our other Flagship Finance Lab tools): Green – Your deposit looks strong on these numbers. Orange – You’re close. A few changes could get you there. Red – There is a gap, but we can build a plan. This is only a guide. It does not replace proper advice or a full bank assessment.

Simple deposit checklist (before you contact us)

Having these ready helps us move faster for you:

Latest payslips and job details
Rough idea of your FNPF balance and housing eligibility
List of your current loans and credit cards
A price range or a few properties you are looking at
Any family help or gifts discussed and agreed

After you tick these off, click “Download Summary (PDF)” above and attach it when you send us a message on our contact page. We’ll take it from there.

Next steps & related tools

Rent vs Buy Calculator Mortgage Repayment Calculator Borrowing Power Calculator Refinance Feasibility Calculator

Talk to a Flagship adviser Start your home loan application Download documents checklists

Deposits for home loans in Fiji – common questions

These answers are general only. Rules change, and every bank and buyer is different. Use this as a starting point, then talk to us.

How much deposit do I normally need in Fiji?

Most home buyers are asked for around 10–20% of the property price as a deposit. Some lenders and government programmes may allow lower deposits, but they usually have extra rules. This calculator lets you test different deposit percentages so you can see what feels realistic.

Can I use my FNPF to help with the deposit?

Yes, many people use FNPF for housing as part of their deposit, if they have enough saved and meet FNPF rules. There are different forms and reasons, like buying, building or finishing a home. Here we just let you put in a rough FNPF amount. When you are ready, we can help you with the exact FNPF process and paperwork.

What about 0% deposit options like Merchant Finance?

Merchant Finance has a first-home product that can offer up to 0% deposit for eligible buyers. This can help if you have a strong job and income but not much cash saved. It does not mean there are no upfront costs – you still need to cover things like legal fees, valuation and other setup costs, and you must meet Merchant Finance’s lending rules. In this calculator, choosing the Merchant option sets your deposit to 0% and keeps a small % buffer for costs so you can see what you still need to pay.

What if I don’t have enough deposit yet?

If you are short on deposit, it does not mean “no”. It just means we need a plan. Options can include adjusting the price range, saving for longer, using more FNPF (if allowed), looking at family support, or using a different lender or product. The calculator shows the gap in dollars and time. We help you close that gap in a way that fits your life.

How accurate is the time estimate to reach my deposit?

The time estimate is a rough guide only. It assumes you save the same amount every month and nothing unexpected happens. In real life, expenses go up and down, and extra money can come in. Use the time estimate as a rough direction, not a promise. We can help you turn it into a more detailed plan.

What should I do after using this calculator?

Once you fill this in, download the PDF summary and go through the simple checklist above. Then send the summary to us through our contact page. We will look at your deposit, income and debts, and suggest real options with real lenders so you are not guessing.