First home? Next home? Forever home?

Already applied online for a home loan? You may be able to track it here.

We’re all about making the Kiwi dream of home ownership a reality. It’s what we were set up to do over 150 years ago, and we’ve been doing it ever since. How can we make your dream home a reality?

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Four reasons to choose SBS Bank for your next home loan.

We have a simple purpose: helping Kiwis find a place to call home. We’ve been doing it for over 150 years, and we’d love to help you too.

  • We’re set up for your benefit, not ours.
    We’re a mutual bank, so our customers own us – and we’ve worked hard for them since 1869. Read more.
  • Consistently low home loan rates
    Our customers are our owners, and we know they want us to keep rates low. Check our rates
  • Canstar Award winning
    We’re the Canstar Bank of the Year for First Home Buyers in 2022 and 2023. See why.
  • Genuine Kiwi service
    Our team knows who’s boss: you. That might explain our outstanding levels of customer service. Try us.

Our best interest rates.

FirstHome Combo
per annum
1 year fixed
Available only to first home buyers. Additional lending fees apply.
Home Loan
per annum
1 year fixed
Home Loan
per annum
2 years fixed

See all rates View calculators

Home Loans: Specific lending, account and eligibility criteria and Standard Contract Terms along with Credit Fees and Charges apply. These rates are only available for Residential Home Loans with at least 20% equity and Residential Investing Lending with at least 35% equity, or First Home Loans with at least 5% equity. All rates are subject to change.

Run the numbers with these easy calculators.

Rates are one thing, but what do they mean for your finances? Use our calculators to work out what home ownership will mean for your finances.

Numbers not your thing? No problem, we love them. Let’s put our heads together and work out where you stand.

Let’s figure it out together


  • How much home loan could I get for my current rent?
    Paying off your own home is a much more satisfying way to spend that rent money. Be my own landlord.
  • How much can I borrow?
    The question everyone wants to know: how much house can I afford? Show me the money.
  • How much are the repayments?
    Every payment will be chipping away at that loan. So how much will they be? It’s so worth it.
  • How long will it take me to repay my loan?
    You can give yourself 30 years to pay off one of our home loans. Could you do it faster? I’ll bet I could.

First home in your future?

Take a look at our First Home Buyer Hub. It’s full of useful information to get you into your first home, from finding the right home to sorting out your loan.


Visit the hub 


Your home loan options.

You can set up your home loan to be just right: not too hard, and not too soft. Take a look at our different options and see which one works for you. Not sure? Combine different types to get the best of both worlds.

If you’re stuck making a decision, give us a call and we’ll work it out together.

See the options   0800 727 2265 

  • Lock in a rate for simpler budgeting.
    fixed rate loan is a set rate for a set period, to keep your repayments the same. I like a sure thing.
  • Float your rate and keep your loan flexible.
    With a simple floating rate loan, your repayments change when rates change. That floats my boat.
  • Mix and match to suit your needs.
    Split your home loan between fixed and floating rates to get the best of both. I’ll divide and conquer.
  • Use your home loan like an overdraft.
     Flexi Home Loan lets you use your home loan to fund home improvement or other spending, up to your agreed limit. I’m putting it on the house.
  • Borrow to build your perfect home.
    Our special construction loans let you draw on the funds as your build progresses. Ooh - I want to talk to somebody.

Bring your home loan home to SBS Bank

More and more Kiwis are discovering SBS Bank and our more competitive interest rates.
If you’re coming off another bank’s fixed rate and looking down the barrel of a big increase, maybe we could help. How much could you save?

Check our rates

Talk to us


Grow your property portfolio.

You can use our standard home loans for up to five properties. If you’re adding more, talk to us about our special investment property loans. They give you more features to help you better manage your portfolio.

Get in touch

Our customers are our owners.
No surprise we like to keep them happy.


Thank you SBS Bank we were so privileged to work with you and your amazing local
team purchasing our first home. A great lending experience.
– Paris, First Home Buyer



Important information about home loans.

To view our interest rates page for residential and residential investing lending please click here. Specific credit and eligibility criteria apply. Lending Standard Contract Terms and additional Credit Fees and Charges apply.

Already applied online for a home loan? You may be able to track it here.