HFC has reviewed and realigned its charges and fees according to the market as part of its corporate social responsibility.
In a statement, HFC chief executive officer Isikeli Tikoduadua said the review this month included a discounted establishment fee by 25 per cent for all first home loans, loans against term deposit, personal loans for medical, funeral and education purposes.
"This has been realigned to the market after the last review in 2006. Following the reinstating of the Disaster Rehabilitation Fund from the Reserve Bank Fiji, we have reduced our interest rate from 5 per cent to 4.5 per cent fixed for five years under our Disaster Rehabilitation Loan sourced through RBF.
"HFC has also reviewed its super dream home loan product this week. It has been over 14 months since the product was launched by Attorney-General Aiyaz Sayed-Khaiyum.
"We have continuously reviewed the product with its interest rate features and benefits. The results are very impressive so far."
He said the super dream home loan was initially targeted for the construction of first homes but was now extended to refinance and debt consolidation.
"The interest rate is 4.5 per cent per annum for the first 12 months and 7.5 per cent per annum variable thereafter with contribution of 10 per cent."
For those who wish to build their home, Mr Tikoduadua said they would throw in a free water tank upon completion of the house.
Mr Tikoduadua said the review allowed for the consolidation of other loans and the purchase of a motor vehicle which would now attract an interest rate of 7.5 per cent per annum variable through consolidation.