Personal Banking / Loans / Home Loan

Home Loan

Achieve your home ownership dreams with the help of our highly experienced and friendly staff.
Whether you are looking to buy, construct or refinance your property,  think BSP! 


  • Term of loan - Up to 30 years depending on your retirement.
  • Contribution* - Minimum of 20%* of purchase price, plus bank fee, insurance and legal costs.
  • Fixed and variable rates are available.
  • Account statement is issued every quarter on the anniversary of the account opening date.
  • An authority to the bank for direct deductions.
  • Joint borrower option is also available.
Vacant Land
  • Term of loan - Up to 7 years and construction within 3 years.
  • Contribution - Minimum 30%* of purchase price, plus bank fee, insurance and legal costs.
  • Interest rate is variable rate only.
  • Competitive interest rates.
  • Credit decision within 48 hours.
  • In-house insurance arrangements are available.
  • No monthly service fee.
  • Up to 80% financing of purchase or valuation price of property, whichever is lower.
  • You are entitled to a credit card limit or personal overdraft of $1,000 upon loan approval*.
  • Account details may be viewed through your internet banking access*.
Application Requirements
  • You must be 21 years of age and over.
  • You must be demonstrate ability to repay debt.
  • Your salary must be directed to your BSP account.

*Conditions apply, please view brochure link below for more details.

For more information, please call our BSP Customer Contact Centre on 132 888 or (679) 3214 300 or send your query through the Contact Us page.


Need help choosing an account?

Speak with someone from BSP today