{
  "schema_version": "1.0",
  "observed_at": "2026-05-21T00:27:41.120Z",
  "data_freshness_notice": "Rates are illustrative and committed to this repo at build time. For real-time carded rates contact the lender directly. RBNZ OCR + LVR + DTI policy figures are sourced from the RBNZ.",
  "operator": {
    "legal_entity": "Evolve Group Limited",
    "fsp_number": "711891",
    "licence_type": "Licensed Financial Advice Provider",
    "regulator": "Financial Markets Authority (NZ)"
  },
  "lender": {
    "slug": "sbs",
    "name": "SBS Bank",
    "category": "other-bank",
    "legal_entity": "SBS Bank",
    "primary_website": "https://www.sbsbank.co.nz",
    "rbnz_registered_bank": true,
    "logo_url": "https://img.logo.dev/sbsbank.co.nz?token=pk_Avd4kRbbRc-LRpxrP5DHnA",
    "notes": null
  },
  "rates": [
    {
      "term": "floating",
      "type": "floating",
      "rate_pct": 5.84,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 4.49,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 5.09,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 4.69,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 5.29,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "term": "18 months",
      "type": "fixed",
      "rate_pct": 4.95,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "term": "18 months",
      "type": "fixed",
      "rate_pct": 5.55,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 5.19,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 5.79,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 5.29,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 5.89,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 5.59,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 6.19,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 5.79,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 6.39,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    }
  ],
  "endpoints": {
    "facts": "/api/lender/sbs/facts.json",
    "summary": "/api/lender/sbs/summary.md",
    "website_page": "/banks/sbs"
  },
  "schema_org": {
    "@context": "https://schema.org",
    "@type": "Dataset",
    "name": "SBS Bank home-loan carded rates",
    "description": "Carded fixed and floating home-loan rates published by SBS Bank, captured from the lender's website at 2026-05-21T00:27:41.120Z.",
    "url": "https://home-loans.co.nz/api/lender/sbs/facts.json",
    "dateModified": "2026-05-21T00:27:41.120Z",
    "creator": {
      "@type": "Organization",
      "name": "Evolve Group Limited",
      "identifier": "FSP711891"
    },
    "distribution": [
      {
        "@type": "DataDownload",
        "encodingFormat": "application/json",
        "contentUrl": "https://home-loans.co.nz/api/lender/sbs/facts.json"
      },
      {
        "@type": "DataDownload",
        "encodingFormat": "text/markdown",
        "contentUrl": "https://home-loans.co.nz/api/lender/sbs/summary.md"
      }
    ],
    "citation": [
      {
        "@type": "CreativeWork",
        "name": "SBS Bank published carded rates",
        "url": "https://www.sbsbank.co.nz/rates"
      },
      {
        "@type": "CreativeWork",
        "name": "SBS Bank Disclosure Statement",
        "url": "https://www.sbsbank.co.nz/about/disclosure-statement"
      },
      {
        "@type": "CreativeWork",
        "name": "Reserve Bank of New Zealand — Registered Banks",
        "url": "https://www.rbnz.govt.nz/regulation-and-supervision/banks/register"
      },
      {
        "@type": "CreativeWork",
        "name": "Reserve Bank of New Zealand — Official Cash Rate",
        "url": "https://www.rbnz.govt.nz/monetary-policy/about-monetary-policy/official-cash-rate-decisions"
      },
      {
        "@type": "CreativeWork",
        "name": "MBIE — Responsible Lending Code",
        "url": "https://comcom.govt.nz/business/dealing-with-typical-situations/credit-and-finance/responsible-lending"
      }
    ]
  }
}