Evans Head branch will be closed on Tuesday 23 July due to a planned power outage. We apologise for any inconvenience this may cause. Please call 1300 728 728 for further assistance



Home Loans

Your search for the perfect home loan starts here.

Home Loans

Your search for the perfect home loan starts here.

Make your dream a reality

For many Australians, owning a home isn’t just about the bricks and mortar — it’s about living a dream of safety, security, stability, and connection. We are here to help make that happen.

Choose from Summerland Bank’s range of competitive fixed and variable home loan rates to get the right fit for your needs. Applying online or in-branch is easy, and you’ll love the difference of a community-owned bank with all the bells and whistles.

Eco Home Loan

Ideal for the conscious consumer, this loan is specially designed for borrowers looking to make an environmentally sustainable purchase while keeping their rates low.

Basic Home Loan

Keep things simple with a variable home loan featuring generous redraw options and a low ongoing rate.

Premium Home Loan

Take things up a notch with our Premium Home Loan offering. Perks like offset and pricing concession on products such as credit card.

Fixed Rate Loan

For ultimate peace of mind, a fixed rate loan gives you certainty on upcoming repayments and the flexibility of a redraw.

Why Choose Summerland Bank?

We believe in a local and personalised kind of banking, one with your best interests at heart. With our competitive and community-minded home loans, experience the impact of clarity and peace of mind on your financial future.

Fast loan approval

With pre-approval and fast track options available, you can make purchasing decisions quickly and with certainty.

Tailored repayment options

Create a repayment schedule that works for you and allows you to make additional repayments, without the penalties.

No hidden fees

With a range of options including loans with no ongoing fees, enjoy the benefits of a loan that helps you get where you’re going, faster.

A lender you can trust

Providing a braver banking alternative since 1964, from our early days as a credit union, now to a purpose-driven and Certified B Corp bank, you can’t spell trust without us.

Personalised support

Either in store or online, our friendly and experienced local team can answer any questions you may have about our loans and how we can support you to realise your potential.

Online and digital banking

Giving you safe, secure and easy-access to your accounts on the go with our user-friendly app and innovative digital banking experience. Available for both iOS (Apple) and Android.

Ready to get started?

If you’re ready for a braver kind of banking, here are three ways to get started with Summerland Bank.


Apply online

Get started online with your ID at the ready and a quick check of your personal details.

Contact us

Good old-fashioned customer service, the Summerland way.

Visit a branch

Find your closest Summerland Bank branch and our friendly local team will be ready to help.

This is general advice only and may not be right for you. Please read the Financial Services Guide and Privacy Information and Accounts and Access Facilities Conditions of Use before making decisions. Target market determination available on request at our branches.

What's the difference? Compare home loan options.​

Schedule a free call back

Choose a time that works for you and our local team will give you a call.

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