Check out our Grate rate

3.39% p.a. Fixed for 2 years and our Grate Cash Offer -

$1,500 cash for new lending between $300,000 and $500,000
and $2,500 if you are borrowing $500,000 or more.

To qualify for this “grate” offer (do you like what we did there?) you need to have lending with us which must:

1. have a minimum of 20% equity
2. be approved by us as either new or additional lending
3. be drawn down within 90 days of our written approval of your lending application;
4. be for residential lending (where residential rates apply); and
5. originate from a lending application received by us on or after 21 October 2019.

You also need to have your primary source of income paid into an SBS Bank transactional account

Ticking all the boxes? that's great, fill in your details below and let’s talk!

Can’t quite tick all the boxes? Don’t worry the Grate Rate is not restricted to this offer, click here to check out our interest rates page for more information about this and our other rates.

Rate is subject to change without notice. You will need to meet lending and eligibility criteria. Grate Cash Offer Terms and ConditionsLending Standard Contract Terms and Credit Fees and Charges apply too and are also available on request and free of charge from any branch of SBS Bank.

Start the home loan application process by providing the following information and one of our home loan specialists will contact you the next business day to discuss your borrowing needs.

Your information

First Name
Family Name
Existing SBS Bank Member
Preferred Contact Method
Phone    Email
Best time to call
Contact Phone

Want to just talk to us?

Contact Me


Annual Household Income
i.e $125,000
Number of adults
Number of dependants

Property Information

Purchase Price
Loan Amount (Purchase price less deposit)
Purchase Purpose

Loan Information

Loan Term (Years)
Interest Rate
Credit/Storecards/Overdrafts Total Limit


(Insurance cover is arranged by Southsure Assurance Limited, a subsidiary of SBS Bank. A Southsure Insurance Adviser will be in touch shortly).

Maximum household lending


Min Property Purchase


Deposit Required

$ to $

Repayment Percentage of Income

Principal & Interest Repayments


Please check the form

You can't apply until all fields are filled out and are valid

Apply Now
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