loans

If you require mortgage finance for building, buying, renovating or refinancing in the Wairarapa then go no further than WBS. We’re here to help the Wairarapa grow with flexible mortgage finance options for residential, rural or commercial purposes.

Flexible Loans
Our rates and fees are competitive and your loan can be tailored to suit you. We are here to help you make it happen.
Most importantly, you get to discuss your requirements with the people that make the decisions.

Managing Your Account is Easy
You will be sent regular statements at a frequency nominated by you. You can call for an account balance at any time. Payments can be arranged to suit your circumstances and cashflows. Depending on how your loan is structured, lump sum repayments can be made at any time without penalty.

Please click here to download a loan application.

Costs Of Borrowing From WBS
The information about the costs of borrowing from WBS that is required by section 9K of the Credit Contracts and Consumer Finance Act 2003 (that is, about rates, credit & default fees) is available by clicking on the link immediately below

Cost of Borrowing

WBS Standard Contract Terms
As required by section 9J of the Credit Contracts and Consumer Finance Act 2003, copies of WBS’s Standard Contract Terms are available by clicking on the relevant links below.

Each Disclosure Statement to which there is a link below is used in conjunction with one of the Loan Contacts, to which there is also a link below. The Loan Contract used will depend on the type and/or security taken as indicated by the name given for each link.

Disclosure Statement – Come & Go

Disclosure Statement – Equity Release

Disclosure Statement – New Loans

Disclosure Statement – Top Up

Disclosure Statement – Non-Mortgage

Loan Contract – Flat

Loan Contract – Table

Loan Contract – Deed of Loan – Flat

Loan Contract – Deed of Loan – Table

Loan Contract – Equity Release

Loan Contract – Non-Mortgage – Flat

Loan Contract – Non-Mortgage – Table

Loan Contract – PPSA – Flat

Loan Contract – PPSA – Table

Loan Contract – PPSA (Company) – Flat

Loan Contract – PPSA (Company) – Table