Personal Banking / Loans / Home Investment Loan

Home Investment Loan

This is the ideal product for those looking to buy, renovate, construct or refinance and investment property from another financial institution.


  • Minimum borrowing limit - $5,000.
  • Term of Loan - Up to 25 years depending on retirement age.
  • Contribution* - Minimum of 30%* of purchase price of property, plus bank fee, insurance and legal costs.
  • Account statement issued every quarter on the anniversary of the account opening date.
  • Periodical payments will be set up to make direct deductions from your salary account to your loan account.
  • A joint borrowers' option is 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 only.
  • No monthly service fees.
  • Credit decision within 48 hours.
  • In-house insurance arrangements available.
  • Competitive interest rates.
  • Up to 70% financing of purchase or valuation price of property, whichever is lower.
  • Account details may be viewed through your internet banking access*.
Loan Application Requirements
  • You must be 21 years of age and over.
  • You must demonstrate the 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.


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