Below are indicative annual interest rates for our loans. NOTE: these are indicative only and rates on offer may be higher or lower depending on individual circumstances.

Residential property mortgage rates starting from 9.25%

Construction rates starting from 11.49%

A range of rates are given as the rate at which we will lend to you will depend on our assessment of the risk of lending to you. If you apply for a loan and we ag to you then we will at that time disclose the actual interest rate at which we are willing to lend to you.

Loan application fee, renewal and top up fee – price on application.

$25 loan administration fee per month.

$300 per hour per person for any property visit/client visit/meeting within the region of a SCP base plus $0.95 per kilometre travelled plus any out of pocket.

$500 per person for any property visit/client visit/meeting outside those regions plus $0.95 per kilometre travelled plus any out of pocket expenses.

$125 per hour for sundry loan administration plus actual costs (minimum $10).

Up to $375 administration fee on security discharge and/or loan revision together with lender’s solicitors costs.

The annual default interest is 9.95% above the standard annual interest rate.

For consumer (CCCFA) loans that have missed a payment, this default interest rate is calculated on the loan payment amount.

For consumer (CCCFA) loans that are passed expiry, this default interest rate is calculated on the total loan balance.

For non -consumer loans that have missed a payment, this default interest is calculated on the entire loan balance.

For non -consumer loans that are passed expiry, this default interest is calculated on the entire loan balance.

Default fees : Up to $125 per hour per creditor employee or contractor on a time and attendance basis for the management of any loan in default, plus any a costs, plus up to $250 for a dishonoured payment/late payment or missed payment.

Before applying to us for a loan, please consider the above costs of borrowing and take time to read the Code of Responsible Borrowing found at www.familybudgeting.org.nz.

If you follow this Code then it will help us fulfil our duties to you as a responsible lender.