Lending

For over 135 years CBS Canterbury (now a division of Heartland Building Society) has been a valued first mortgage lender in the Canterbury Region.  

Today funds may be borrowed for any reason including buying or building your own home, investment property purchases including residential and commercial buildings, farm purchases, additions or alterations to a building or property, refinancing existing loans, the purchase of motor vehicles, boats and household chattels, as well as holidays and overseas trips.

Our lending team is able to meet with you at any of our branches, your own home, or even your new building or investment property site. Just give them a call or email your inquiry from this website.

Applications and approvals can be processed quickly once all the information is available to the lender.

Our staff will inform you what information you need to provide, but as a general guide you will need.

• Some evidence of your current earnings. Three consecutive pay slips or a letter from your employer confirming your wage or salary will be fine, or if you are self employed then your last two years financial statements.
• An indication of the cash savings amount you intend to use as the deposit for the purchase you are making.
• Information on your overall financial position. You need to know your liabilities including credit cards, accounts owing, personal loans as well as car, student, or any other loans.  You should also estimate the value of your investments and other assets.
• Copies of contracts: A copy of the Sales and Purchase Agreement along with a copy of the relevant Certificate of Title. These are not required for initial inquiries.
• Confirmation of your solicitor. (We can recommend one if necessary).
• If refinancing a copy of your existing loan statement.
• A registered valuation if required. Our staff will advise you if this is needed.

CBS Canterbury is very aware that the relationship between our lending staff and you the borrower is very important. By keeping it simple and friendly, and with our range of options and competitive finance, you benefit over the whole term of the loan as your personal circumstances evolve and change.