want a great deal on a home loan?

our Lending Specialists are ready to help


What are your choices?

Where will you be in five years’ time? Perhaps you’re thinking of starting a family, travelling more or even getting an investment property.

Depending on your situation, you may wish to talk to friends and family on their experiences. It’s also worth talking to an expert like a Lending Specialist who can help answer any specific questions you have.  Whether this is your first home or your fourth, it’s important to understand the type of property you need. If you’re on your own, you may want something smaller.

Finally, you’ll need a deposit. If this is something you’re saving towards, check out our savings calculator to help estimate this.


Learn how much you can borrow

Once you’ve got a deposit and understand what sort of home you want, make an appointment with us. Your dedicated Lending Specialist can discuss what you’re looking to achieve, assess how much you’ll be able to borrow and give you some valuable tips on how to get the most out of your home loan. This includes finding out what financial help, like stamp duty exemptions and other government concessions you’d be eligible for. You can download the loan appointment checklist prior to your appointment.

Once your Lender has all your documentation, we’ll be able to assess your application to make sure it meets our guidelines, before completing a credit check. A decision is often made within 48 hours; meaning you’ll know exactly how much you can borrow, prior to any open homes you go and view. Remember, you can track the status of your application online and through our app.

“It was great to have someone who didn’t speak jargon and could relate what we were going through. We probably asked a lot of the same questions, but our lender was so patient and quick in getting back to us. We really appreciated them guiding us.” – Mel and Ryan






Where does your bank invest?

Where does your bank invest?

We believe that no financial institution should have any direct investments or any loans to fossil fuel or CSG mining industries, nor investments in weapons, tobacco or gambling.

100% customer owned

100% customer owned

Our profits don’t go to external shareholders, they go back to our customers through fairer fees, high quality products, services and investment in the local community.

Personal Loans

Whether it's a new tv, a new car or a fantastic getaway, talk to us first.

Visa Credit Card

Summerland makes it easy with four fantastic credit cards to choose from.


Protect what's important to you. Home, motor, travel insurance and more.

Tools and Calculators

Crunch the numbers with our calculators.


We'd love to hear from you, our friendly staff are ready to take your call.

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