rural loans

down to earth rural finance 

You need more than a pair of Red Bands to become a rural expert. Our skilled rural team come from farming backgrounds, so they understand the unique nature of farming. Combining this understanding with banking know-how and our unique customer focus means you get the best banking solution for your business.

rural business specialists

If you need rural finance then talk to us about the choices we can offer. Our team of rural experts are located throughout the country and specialise in financing rural businesses, including;

» Farm Purchase
» Livestock and plant purchase
» Farm development and conversion
» Seasonal overdraft and funding
» Off farm investments
» Succession planning


transactional banking

» 24-hour access to your funds via online banking, telephone banking, ATM/EFTPOS card, Debit MasterCard® card,
   cheque book
» Banklink accounting services available

rural term loans

» Fixed or floating interest rates
» Principal and Interest or Interest Only repayments
» Repayment options up to 30 years
» Interest is calculated daily and charged monthly
» You can nominate which SBS Bank transactional account you would like your repayments deducted from, subject to approval

rural flexi loans

» Competitive floating interest rates for terms up to 25 years
» 20 free withdrawal transactions (free deposits) per month per account
» Total flexibility to repay and redraw within an approved limit
» Interest is calculated daily and charged monthly on the portion of the loan you use

why choose us?

We focus on building long-term relationships with our members. We take the time to understand how your rural business works. We offer specialised rural financial services to all rural based businesses including dairy, beef, sheep and deer farming, cropping and fishing. Maybe you’re looking to refinance, arrange succession planning or need some seasonal support. We can help.

We are 100% owned by our members and have been helping farmers manage and grow their businesses since we were founded in Southland back in 1869. We’ve weathered world wars, economic downturns and the global financial crisis and we’re still going strong today. We make local decisions with local people.

We’re proud of our active involvement in the rural communities through local sponsorships and support.


get in touch

Contact one of our rural specialists and chat about the options available to tailor a banking solution that will meet the needs of your business and give you the flexibility you need for the future. We’ll work closely with you to make the switch as easy and seamless as it should be so you can keep focused on running your business.


Contact Us 

important information

The information on this page does not take into account your individual circumstances and is not personalised financial advice. You should seek financial advice before you make any decision to open an account. Specific credit and eligibility criteria, terms and conditions apply for Rural Loans. Credit Fees and Charges may apply. Account opening and card eligibility criteria, fees and charges, terms and conditions apply. MasterCard® and the MasterCard® brand mark, are a registered trademark of MasterCard® International Incorporated.

Rural finance
A copy of the current Southland Building Society (SBS Bank) Disclosure Statement along with our Term Investment Terms & Conditions and QFE Adviser Disclosure Statement are available on request and free of charge from any branch or agency of SBS Bank or on this website
© Southland Building Society, 2016