For over ten years, Ratu Ravulo Seru-I-Ratu Naulumatua called rented houses his home. Each move brought new walls, new neighbors, and the same quiet wish – to one day have a home his family could truly call their own. In 2025, that dream finally came true, when Mr. Naulumatua proudly unlocked the door to his very first home.

Having moved from the maritime region to Viti Levu with no permanent place to call home, Mr. Naulumatua was determined to give his family a sense of stability. However, like many Fijians, saving for a home deposit proved to be a challenge. Although he could comfortably afford the monthly repayments, the upfront cost of a deposit, placed homeownership just out of reach.

That was until Mr. Naulumatu came across Merchant Finance’s Zero-Deposit Home Loan product on social media. Intrigued by what he saw as a great opportunity, he visited his nearest Merchant Finance branch and began his journey towards home ownership.

“What Merchant Finance offers, the zero-deposit feature, can benefit a lot of families that are renting and have the salary to make loan repayments but cannot get a home loan because of the lack of deposit. The zero-deposit feature is what sets Merchant Finance apart from the traditional financial service providers when it comes to Home Loan,” said Mr. Naulumatua.

With the guidance and support of the Merchant Finance team, Mr. Naulumatua’s home loan journey was seamless. Step by step, he watched his long-held dream unfold into reality.

What once felt distant, is now their everyday reality. For Mr. Naulumatua, homeownership is more than just about bricks and walls, it is the foundation of family, comfort, and pride.