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BFS knows and understands the financial challenges facing Christian communities.

In addition to offering a flexible range of loan options we have the ability to assess your loan application using ministry focused lending criteria.  So speak to us first and find out how we can help your organisation with a suitable loan that meets your needs.

Loans are made available to Churches to purchase property and manses, upgrade and repair buildings and to develop ministries including schools, aged care and community services. An Information Pack is available to assist you in your property purchase, building project or other venture and associated borrowing. To obtain this pack click here.

All interest calculations on variable interest loans are based on 365 days except during leap years when calculations are based on 366 days.


Mortgage or other security is required for all the following loans. 

Instalment Loan

This provides repayment of the loan over the nominated term.

  • No loan application fee or ongoing fees
  • Monthly Principal & Interest Repayments
  • Loan Offset Savings Accounts available
  • Maximum loan term 20 years
view rates apply

Interest Only Loan

Useful for bridging or short term purposes where property is being purchased and sold.

  • No loan application fee or ongoing fees
  • Monthly Interest Payments
  • Loan Offset Savings Accounts available
  • Limited term available
view rates apply

Overdraft Loan

Assists with short term cash flow management,

  • No loan application fee
  • Bridging, GST and cash flow finance
  • Limited term available
view rates apply


These loans are available to Baptist churches and accredited/ordained Baptist pastors only.

  • Maximum Loan amount $35,000 for a brand new vehicle, otherwise $25,000
  • Maximum Repayment Term 5 years
  • Loan must be for a ministry/work related purpose only
  • Churches are eligible for 2 loans of up to $35,000 each to provide vehicles for pastor and associate, plus 1 additional loan of up to $25,000 for church needs such as renovating repairs.
view rates apply


If you have any questions, please contact us Contact Us