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to allow applicants to purchase an established home for own occupation, construct a house on own land for own occupation, purchase vacant residential land or complete renovations / improvements to an existing own house property


Features & Benefits

  • Amount: Minimum $10,000 | Maximum restricted to single transaction limit by CBS

  • Term: Maximum term 25 years plus personal guarantees where appropriate

  • Principal & Interest repayments monthly, fortnightly or weekly

  • For construction, interest only to be considered with P&I to commence thereafter

Interest Rates

Interest Rates

  • Variable



  • LAF 2%


Opening Requirements

Supporting Documentation Checklist

Please provide the following information depending on your circumstances

  • ​Salary/Wage earners

- last 3 payslips

- letter from your employer stating your annual gross salary and details of any deductions

  • Self Employed

- previous 3 years of accountant prepared financial statements

  • Rental Income

- a copy of the lease agreement

- a copy of the bank statement (12 months) showing receipt of rental payment

  • All applicants

- last 12-month bank statements of any account being refinanced/repaid from the current request

  • For property purchases

- a copy of the signed and dated Purchase and Sale Agreement

  • For loans secured by real estate

- full property description (lot/plan No's etc)

  • For loans secured by guarantees

- signed application form from the guarantor(s)

  • Photo Identification

- please provide a recent passport size photo of all borrowers and guarantors

Important Documents

  • Housing Loan Terms & Conditions

  • Personal Banking Terms & Conditions

Call or Email for more info

Phone: +685 26766

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