How it works

Understand your options, prepare your application, and follow your progress.

Explore

Find the right starting point.

Choose a productCompare available products and understand their requirements.
What to prepare
Your housing needs and a realistic view of what you can afford.
What happens next
Choose a suitable product, then check your likely eligibility.
Only products marked available are open for applications.
Browse products
Check eligibilityVerify your NHF number and create your account.
What to prepare
Your NHF contributor number and access to the email address registered on your NHF record.
What happens next
Enter the code sent to that email, create your account, then sign in to your portal to apply.
Creating an account is not an approval or a guarantee of funding.
Check your eligibility

Prepare and submit securely.

Access your accountCreate, sign in to or recover your secure FMBN account.
What to prepare
An email address and phone number you can verify.
What happens next
Continue your selected product journey inside your private account.
Keep passwords and verification codes private.
Access your account
Choose a propertyReview homes available under your selected product.
What to prepare
Your preferred location, housing needs and affordability information.
What happens next
Choose a compatible property in your FMBN account.
Property availability depends on the product, location and application context. Sign in to view available homes.
Sign in to choose a property
Submit your applicationConfirm your details, upload evidence and complete your declarations.
What to prepare
Identity, income and contribution evidence, plus any other documents requested in your account.
What happens next
Your submitted application moves into assessment.
Review your information and documents carefully before submitting.
Sign in to apply

Follow progress and understand your offer.

Track assessmentFollow your status and respond to requests for information.
What to prepare
Any additional evidence or clarification requested by the review team.
What happens next
Receive a decision and guidance on what happens next.
Check your account regularly. Submission does not guarantee approval or property allocation.
Sign in to track your application
Review approved termsIf approved, understand your offer before accepting.
What to prepare
Time to read the offer, payment schedule, disclosures and contracts.
What happens next
Ask questions, then follow the acceptance instructions in your approved offer.
Understand your payments and responsibilities before accepting. The signed agreements govern the arrangement.
Get help with your offer

Start with indicative eligibility guidance.