Rating based on 64 reviews

SBS Bank


  • Home loans starting from $1,000
  • Low-interest starting from 5.29%
  • Repayment up to 30 years

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SBS Bank homepage

Author SBS Bank. Screenshot of SBS Bank website. [Accessed September 3, 2021]

About SBS Bank

The SBS Bank was founded in 1869 and soon became one of the most beloved financial services providers in New Zealand.

We are New Zealand's member bank, so when you bank with us; we're with you.

We help New Zealanders achieve their dreams

Here at SBS Bank, we are all about helping people achieve their dreams and part of that is helping them find a loan that suits their needs.

We have quality home loans in NZ to help make your dreams a reality, whether you’re putting down roots for the first time, upsizing to suit a growing family, planning your dream home or looking to grow your wealth.

SBS Bank Services

Here at SBS, we offer a range of financial services including a variety of loans.

From our basic personal loans that cover almost anything you need, to our affordable home loans that allow you to buy your very own home.

Choose a loan type

There are two types of term loans. principal and interest or interest only. Principal and interest provide you peace of mind by helping you pay off your home faster with repayments of both principal and interest. Interest-only allows you to defer your loan principal repayments by only paying interest for up to a maximum of five years, before reverting to a principal and interest term loan.

A flexible home loan provides control and flexibility to manage your home loan to your advantage. It allows you to increase the amount borrowed.

SBS Bank Home loan

  • Loan Type Home loans
  • Interest Rate 5.29 – 20% p/a
  • Loan Amount from $1,000
  • Repayment 6 months to 30 years

Benefits of SBS Bank

  • Easy loan application
  • Flexible home loans terms
  • Fixed interest rates

Buy your very own home with an affordable SBS Bank home loan

SBS Bank is a quality New Zealand lender that has been helping people through their financial troubles for almost 150 years.

Their loans are top-notch and allow their clients to move up in life and get the things they have always wanted.

We are committed to creating partnerships

As a member-owned bank when you become a member you become part of SBS Bank. We're committed to creating a partnership focused on helping you on the journey to financial independence. We want to build mutual trust, mutual benefits and most of all mutual respect. From your first home loan to investing, retirement and anything in between. We believe that’s the way banking should be.

Apply for a home loan today

Start the home loan application process by providing some personal information and one of SBS’s home loan specialists will contact you the next business day to discuss your borrowing needs.

You will need to enter basic information regarding yourself, such as your name, location and contact details. They will also need details regarding your household, this includes your annual household income, the number of dependents, etc.

Furthermore, in order to secure your home loan, you will need to provide property information and information regarding your loan.

Once completed, you can submit your loan application and SBS Bank will be in touch with you. 

Customer Reviews & Testimonials

Top-notch service, and manageable rates, fees and terms. Initiation fee could come down a bit though.

Gary B
— Christchurch —

Tried the website, was unable to submit my documents due to an error, and had to drive to the branch. Other than that, they're decent.

Dylan S
— Palmerston North —

SBS Bank has the best comparison rate and prices. Wouldn't spend a cent anywhere else.

Frank H
— Nelson —

SBS Bank Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:30 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed