This calculator is a useful tool to provide you with information about lending and repayments, based on the accuracy of the information entered. This calculator does not constitute an offer of finance. While any assumptions used in this calculation are reasonable, they are subject to limitations. The calculations do not take into account any future changes (such as changes to taxation or interest rates, or changes in your personal financial circumstances), do not constitute a personalised financial adviser service under the Financial Advisers Act 2008 and are not intended to be relied on for making a decision in relation to a financial product. We recommend that you consider obtaining advice from a financial adviser before making any financial decisions. Please contact SBS Bank on 0800 727 2265 for more information.
*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), First 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. First Home Loans are supported by Kāinga Ora – Homes and Communities (formerly HNZC), 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 First Home Loans, Residential and Residential Investing Loans apply. 1% Kāinga Ora premium applies. Additional Credit Fees and Charges may also apply. Copies of our Standard Contract Terms for term First 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.