Helping our
community prosper
through lending
and investments

Our home lending rate

4.95% pa

2 year fixed term

Find out more

T&Cs apply

Building or renovating?

Building your new home can be challenging. Talk to us about how we can make it easy for you.

Find out more

Annual Review 2025

The WBS 2025 Annual Review is a short and engaging summary of our 2025 Consolidated Financial Statements.

Download

First home or new home

Buying or selling – let us help make the process as simple and as easy as possible.

Find out more

Term investment rate

3.90% pa

1 Year Term

Find out more

T&Cs apply

Invest in your future

Easy access or higher interest?

We can personalise an investment package to suit you

Find out more

Why invest with us?

  • We’re proudly local
  • Our profits stay here in the Wairarapa
  • We invest back into the local community

Download our First Home Buyer’s Guide now

Download here

We mean business

Business or commercial funding that’s simple. We won’t put barriers in your way.

Find out more

We’re a locally owned lending and investment provider

We’re owned by our members and the WBS Charitable Trust, and our profits go back into the local community.

Loans

Borrow

We’ve got the right financial solution for you.

Investments

Invest

We’ll help find the right investment for you.

About WBS

About Us

Like you we’re local. In fact we’re 100% locally owned – by you.

Keeping safe from scammers

  • It’s ok to hang up if you’re suspicious of who is on the other end of a call.
  • It’s ok to ignore a call from an unknown number.
  • It’s ok to not respond to someone you don’t know.

Remember to never share your login details, password or PIN with anyone.

WBS will never ask you for your login details or remote access to your computer and online account.

For more information about cyber security and how to keep yourself safe online, visit CERT NZ

“WBS supported our aspirations well beyond the realms of the now overseas-owned limitations of most ‘trading banks.”

– Kelso and Jane Rushton

“I just want to thank everyone for helping us get our home, it’s been a dream for so long and we’re so happy it’s come true. Thank you for everything :)”

– Srikandi

“The process of getting a mortgage can be stressful but WBS made it all simple and we felt we had personal support whenever we needed it. No question was too silly to ask and everything was communicated clearly and comprehensively.”

– Robyn Hitchborn

“Actually can’t think of a thing you could improve on. Beyond amazing service, support and care. Thank you so much!”

– Toni

“WBS was recommended by our lawyer. The service we received from the employee we dealt with was first class and easy to understand.”

– Anonymous