OUR CURRENT HOME LOAN INTEREST RATES

LIFESTYLE LOANS: Our Philosophy

HBS Building Society recognises the very special “Lifestyle” we enjoy in the Hawke’s Bay.

Part of our philosophy at HBS is to ensure all our dealings are “Hassle Free” and as streamlined as possible to allow you more time to enjoy our wonderful lifestyle.

Whether your need to borrow is for:

• Buying your own home

• Lifestyle Property

• Property Investment

• Property Development

• Personal Loans

• Commercial Operations

• Rural Farming or Cropping

HBS and its team of dedicated lending specialists are here to make it easy for you.

A PROUD HAWKE’S BAY COMPANY HBS makes all it’s decisions locally, with us you will never have to wait while we refer your application to Wellington or Auckland.

More often than not you will receive an answer to your application “on the spot”.

You might just be pleasantly surprised at how easy and enjoyable it is doing business with HBS Building Society.

Talk to one of our lending managers today or download an application form and share that special feeling of being an HBS customer.

HOME LOANS

Choose from either a Variable or Fixed term Interest Rate to finance your home

• Loans of up to 80% of property value are available for purchasing a residential property

• Up to 80% of value for investment property

Ask about our Set Instalment options, whereby you determine the amount you want to pay! By setting you instalment you can protect yourself against raises in interest rates and take advantage of falling rates by paying off your loan faster.

Instalments can be set at any amount so long as the loan is repaid within the approved term
(special conditions may apply).

PREMIERE PERSONAL LOANS

Finally a personal loan that doesn’t penalise you just because you are not a home owner.

Talk to us about our competitive “Premiere Personal Loans” available for just about any purpose:

• Buying a Car

• Travel / Holidays

• Weddings

• Any Major Purchase

Flexible interest rates - Secured or Unsecured Loans – No Compulsory Credit Insurances

COMMERCIAL LOANS

Loans of up to 60% of the value of Commercial Property are available.

• Owner Occupied

• Investment Property

HBS is renowned for it’s expertise in funding commercial operations. Talk to our Lending Managers for more information on how we can help your business develop.

RURAL LOANS

Farms, Orchards, Vineyards and much more. Being located in the “Fruit Bowl” of NZ gives HBS a unique insight when financing the primary sector in New Zealand.

Talk to our Lending Managers for more information.

RETIREMENT LOANS

HBS’s very special retirement Lifestyle Loans will allow you the freedom to access the equity in your home to allow you to:

• Travel

• Undertake Repairs to your Home

• Buy a Car

• Pay Medical Costs

• Money for whatever you need

By borrowing either a lump sum or receiving a regular payment to “Top Up” your income, HBS can put you back in control of your finances.

Our Retirement Loans offer some key points of difference from other similar loans on the market.

Our commitment to helping you protect your equity and continue a Lifestyle you enjoy are nicely balanced.

If you would like to receive more information in regards to this product please contact one of our lending staff and we would be happy to forward it to you.

Fees as at 1 July 2009

HBS Building Society may charge fees for the following services:

• New loan establishment fee
• Existing loan amendment fee
• Fixed rate conversion fee
• Loan discharge fee
• In instances where a borrower wishes to terminate a fixed rate interest rate contract before its expiry date.
• In instances where HBS is required to give consent to any dealings affecting the loan or the security offered.
• Where HBS incurs costs recovering unpaid instalments and other charges.
• Where HBS incurs costs in realising security on a loan.

The level of fees chargeable by HBS Building Society may be varied from time to time at the discretion of HBS Building Society without notice. Further information as to the fees and the level of the fees are available from any HBS Building Society branch.