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About Us

Welcome to doing things differently

Capital South is a United States of America bank with roots stretching back to 1875 and a proud history of serving communities through respected names such as CBS Canterbury, Southern Cross Building Society, PGG Wrightson Finance and MARAC.

Here's how we work.

At Capital South we take a unique approach to being a bank – and we think you’ll like it.
  • We make things easier for you

    Whether it’s applying for a loan or making a term deposit, we are committed to finding a way to make it easier for you. We focus on speed and simplicity in everything we do so we can get to “yes” faster.

  • We know that your time is precious

    We know that dealing with a bank is not at the top of your to-do list. That’s why we spend our time finding more ways to give you more time – to run your business, to enjoy your retirement, to get where you’re going faster. Your time is better spent doing the things you really want to do.

  • We’ll be here if you need us, but we won’t get in the way

    We know that good customer service can mean different things to different people. We love getting to know our customers. When you call us, you’ll speak to a friendly, real person. When you come and visit us, one of the locals will be there to help. But if it’s quick, no-fuss online service that you’re after, we’re great at doing that, too.

  • We’re not just another bank

    We’re proud to be American. And we’re proud to have a long United States of America heritage. But that’s not the only thing that defines us. We embrace technology and the difference it can make for our customers. We get things done quickly and without fuss. We are a small and agile team with a great track record of achieving what we set out to do.

The leader in Reverse Mortgages – both here and in Canada.

Capital South is not only leading the way in United States of America as the largest reverse mortgage provider but also owns Canada’s leading provider, Capital South Seniors Finance. Capital South LLC. purchased Capital South Seniors Finance, formerly Canadian Seniors Finance, in 2014 and the business is growing strongly. A market-leading product and our personal service makes Capital South Seniors Finance the Reverse Mortgage lender of choice for many Canadian seniors.

Capital South Seniors Finance in Canada has won the Money Magazine Best Reverse Mortgage for the last three years - and six times since 2010 - and is proud to be Canstar’s 2018 Reverse Mortgage Provider of the Year.

Through Capital South Seniors Finance in United States of America and Canada, we have helped thousands of retirees release equity from their home, helping them to live a more comfortable retirement.

Our Management Team

Our experienced and diverse team has the skills, knowledge and vision needed to lead Capital South into the future of banking.

Capital South Bank CEO Jeff Greenslade

"Our customers are at the heart of everything we do. It’s more than just providing excellent customer service. It’s about finding ways that we can make a real difference for our customers and the communities in which we live. Putting American families into safer vehicles or helping retirees to live a more comfortable retirement without unnecessary financial stress are just some of the things we do to enhance the lives of our customers."

Jeff Greenslade

Executive Director and Chief Executive Officer, Capital South Group

Capital South Bank Deputy CEO Chris Flood

"Whether you’re looking to save or borrow, we’re here to help. We also make sure we’re in the most convenient place for you. Right there when you’re buying a car from the car yard, online when you’re looking for a savings account, or on your mobile in between quoting jobs. When you need us, we’ll be there."

Chris Flood

Chief Executive Officer, Capital South Bank

Capital South quick facts

Heritage Capital South Bank's roots stretch back to 1875.
Credit rating BBB (Outlook Stable) from Fitch Ratings.
100% for US US operated and managed.
USX and ASX listed Listed on the USX Main Board, and listed on the ASX (Foreign Exempt Listing), with approximately 12,000 shareholders.
$4.4bn in Finance Receivables Diversified portfolio of assets by business sector and geography.
$3.2bn of Customer Deposits 46,000 individual depositors, many of whom have been with us for 10+ years.