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Rent vs Buy Calculator

Compare staying on rent versus buying a home in Fiji – in simple, real-world numbers.
Quick guide only. This is not credit advice. Talk to our team for a proper assessment before making big-money decisions.

Current Renting

Estimate what you’re paying now and how that could change over time.

Note: A residential rent freeze is currently in place for many residential tenancies in Fiji. The rent increase assumption below is for long-term comparison only and may not apply immediately.

Buying a Home

Rough numbers only – we’ll fine-tune when we see your full documents.

We’re keeping this simple on purpose. Real life will include bank fees, legal costs, FNPF limits, tax and lender policy. Use this as a conversation starter – not the final answer.

Next steps & related tools

Mortgage Repayment Calculator Borrowing Power Calculator Refinance Feasibility Calculator FNPF Deposit Estimator
Talk to a Flagship adviser Start your home loan application Download documents checklists

Rent vs Buy in Fiji – Frequently Asked Questions

These FAQs are general information only. Lending criteria, FNPF rules and government policy change, so always check current details.

Is it better to keep renting or buy a house in Fiji right now?

It depends on your deposit, income, job stability and how long you plan to stay. If you have a strong deposit (cash + FNPF), stable income and you plan to hold the property for at least 7–10 years, buying often builds more wealth than renting because your repayments go towards your equity, not your landlord’s. If your income is uncertain or you may move soon, renting can give you flexibility and lower upfront costs.

Does the current rent freeze mean I shouldn’t worry about rent increases?

The residential rent freeze limits increases on many existing tenancies, but it doesn’t guarantee your rent will stay the same forever – and it may not cover every situation. Landlords can still sell, change tenants or adjust rent when rules allow. This calculator keeps a rent increase assumption so you can see the long-term effect once freezes or policies change.

How does a fixed home loan rate affect this calculator?

A fixed rate makes your repayments more predictable for a set period (e.g. 3–5 years), which this calculator treats as your main interest rate. After the fixed term, most loans roll onto a variable rate set by the bank. For detailed scenarios (e.g. 5-year fixed then revert to variable), speak with us and we can run bank-specific quotes.

What costs of buying are not included in this rent vs buy calculator?

To keep things simple, this tool ignores legal fees, valuation fees, government charges, lender application fees and some ongoing bank charges. It also doesn’t model FNPF withdrawal limits, credit card closures or debt consolidation. When we do a proper pre-assessment, we include those items and tailor it to your situation and preferred lender.

Can I use FNPF as my deposit when I buy a property?

Many first-home buyers in Fiji use a mix of cash and FNPF for their deposit, subject to FNPF rules and bank policy. This calculator treats your total deposit as one amount, but in real life we will separate cash, FNPF, equity from existing property and any gifted funds to make sure the structure suits both the bank and your long-term plans.

What should I do after using the Rent vs Buy calculator?

Take a screenshot or save the PDF summary and then contact us. We can: (1) check your borrowing power with different banks, (2) compare fixed vs variable options, and (3) map out a strategy using your FNPF, savings and existing loans. The calculator starts the conversation — our team help you finish it properly.