* These rates are only available for Residential and Residential Investing lending with either a minimum of 20% equity, Welcome Home Loans, or lending where QBE lenders mortgage insurance applies.
** Rates are subject to change without notice. These rates can be booked with a $250 Booked Fixed Rate fee, terms and conditions may apply. These rates are only available for Residential and Residential Investing lending with a minimum of 20% equity (or greater when Residential Investing lending restrictions apply), Welcome Home Loan, or lending where QBE lenders mortgage insurance applies. Available to members with any level of existing lending with SBS Bank or requires new lending of at least $100,000. Not available with commercial or rural loans, or SBS Advance (Reverse Equity Mortgage) loans. Requires primary source of income paid into a SBS Bank transactional account. Welcome Home Loans are supported by Housing New Zealand, are for owner occupied homes only and owners must not own any other property. Specific lending and eligibility credit criteria and Standard Contract Terms for term Welcome Home Loans, Residential and Residential Investing Loans apply. 1% HNZC premium applies. Additional Credit Fees and Charges may also apply. Copies of our Standard Contract Terms for term Welcome Home Loans, Residential and Residential Investing Loans and Credit Fees and Charges are available on request and free of change from any branch of SBS Bank or at sbsbank.co.nz.
*** These rates are available for new Residential and Residential Investing Lending with equity less than 20% or 30% for Residential Investing.