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Home loans
Whether it's your primary residence, a holiday home, or investment property, we offer home loans to help make your dream a reality.
Let us help you structure your lending portfolio efficiently
Your portfolio
Build or consolidate your property portfolio with flexible, competitive financing tailored to your cashflow.
Local and international
We can help you buy abroad with specialist support for cross‑border considerations and offshore lending.
Holiday homes
Finance your holiday home in a way that balances lifestyle and financial sense.
Finance your property with Private Wealth and get
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Flexible financing solutions that are tailored for you.
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Up to 50% off bond registration costs when you switch or secure new financing.
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Loan repayment terms of up to 30 years or until you turn 75, whichever comes first.
Our home loan offering
Custom loan terms
Choose from multiple loan lengths, up to 30 years (360 months) or your 75th birthday – whichever comes first.
Flexible repayment options
Choose between regular payments and fixed repayments with a lump sum.
Access loan funds
You can access surplus money in your account.
Go beyond buying
Whether renovating or building from the ground up, we have finance options for all your property needs.
Use our calculators
Home loan calculator
Calculate the loan amount you qualify for and what your monthly instalment on it would be.
Use the calculatorAmortisation calculator
How much will a loan cost you? Use this tool to see how different payments, terms and interest rates affect this.
Use the calculatorManage Consent Preferences
- Consent
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This Policy provides information about cookies and how they are used on this website. We are committed to protecting your privacy during your visits to the website and we recognise it is our responsibility to hold your information securely and confidentially. As with most websites, we use cookies to improve your experience on the website. Cookies are small files which are stored on a user’s computer and hold data relating to a specific website.
We do not link the information that we store in cookies to any information you submit, while on our website, that can personally identify you. If you opt not to allow these cookies, you may still use our website, but your ability to use some areas will be limited and your experience will be affected. Most of our cookies are first-party cookies, and will they will either expire after each session (‘Session cookies’) or have an expiration date of a maximum of 1 year (‘Persistent cookies’), and will be removed when you close the tab or browser. If you delete all cookies relating to this website, you will have to reset your preferences, including those for cookies, and you will be treated as a first-time visitor the next time you visit the website. We would like you to know which cookies we employ, why we use them, and give you the option to opt-out of us using them on your device. The different types of cookies that we use are:
We use necessary cookies to make our website work. Cookies are small files that are stored on your device. We also use optional cookies to improve our services. The data we collect is anonymised. You can choose to allow all cookies by clicking 'Allow all' or manage them individually by navigating to the Consent tab. If, at any time, you want to manage your consent you can find the Manage cookies link on the bottom of each page.