The perfect amount of bank

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Choose the home loan that's right for you

Whether you're looking to buy, build, switch or top up your home loan, we can help find the home loan solution that works best for you.

Home loan rates

6.99 % p.a.

Fixed for 1 year

View rates

TSB’s standard lending criteria, T&Cs, and fees apply. Min. 20% deposit.

Grow your savings with this great rate

Choose how long you want to put your money away for and your interest rate will be fixed until the end of the term, so you can grow your savings without any effort!

Term investment

6.10 % p.a.

for 12 months

View rates

Conditions apply. Min deposit $1k.

The perfect amount of perks.

Introducing our new duo Low Rate Mastercard®️ & Platinum Mastercard®️

Eligibility, lending criteria, T&Cs, fees and interest apply. Rates and fees differ between products.

TSB Low rate Mastercard and Platinum Mastercard

Chat home loans how you want.

Want less stress and more ‘how can I help’? Home buying is hard enough, that’s why at TSB you can chat home loans how you want. So call us, apply online, even send a pigeon. Flexibility to bank your way - that’s the perfect amount of bank.

Min. 20% deposit. Lending criteria, T&Cs and fees apply. 

TSB Home Loan Pigeon
Chubb Life Assurance Extra offer

Chubb Life Assurance Extra offer

Chubb Life are offering 2 months free cover on its Assurance Extra range of products until 31 March 2025. Call us on 0800 872 226 to talk to us about your insurance needs today and secure peace of mind for the future.

Paying using Google Pay on a mobile phone

Google Pay now available

Pay on websites, in apps, and in stores, with any TSB Mastercard® and Android device. It brings together everything you need at checkout and protects your payment info with multiple layers of security to help keep your account safe.

Manage your Mastercard®️ online

Use your TSB app or online banking to change your PIN, temporarily block your card, or report it as lost or stolen.

Cyber crime

Stay safe from cyber crime

Don't respond to unexpected text messages or click on unexpected links. If you are unsure if an email or text is legitimately from us, or notice unusual activity on your account, contact us on 0800 872 226.

Latest news

  • Fees & Rates

    1 July 2024

    Changes to our Business, Rural and Commercial base rate

  • Fees & Rates

    10 June 2024

    Changes to our Credit Mastercards

  • Fees & Rates

    4 June 2024

    Changes to our Business, Rural and Commercial base rate

Home loans

Whether you’re looking to buy, build, switch or top up your home loan, we can help find the home loan solution that works best for you.

Credit & Debit cards

Take a look at our Debit, Low Rate and Platinum Mastercard®️ options and compare their key features to find the right card for you.

Invest

Watch your money grow. With great interest rates, term deposits and accessible investment accounts, you can decide how your money grows.

Accounts

Whether you're after a day-to-day spending account or looking to save for something special, we have a range of accounts you can choose from.

Business accounts

We're passionate about finding financial solutions that suit the needs of small to medium-sized businesses. And as an independent, New Zealand-owned bank, we're able to put the interests of our customers first.

Insurance

We partner with Tower for general insurance (house, contents, car, boat and landlord), and Chubb for life and living insurance, so you can make sure you’re protected for when the unexpected happens.

Commercial property

If you’re looking to purchase a commercial property for either owner-occupied or commercial investment purposes, our specialist Commercial Team can help you choose the right loan, depending on what you need and where you want to go.

Home Loans

Choose what's right for you. Whether you’re looking to buy, build, switch or top up your home loan, we can help find the home loan solution that works best for you.

Home loan rates

6.99 % p.a.

Fixed for 1 year

View rates

TSB’s standard lending criteria, T&Cs, and fees apply. Min. 20% deposit.

Term investments

Choose how long you want to put your money away for and your interest rate will be fixed until the end of the term, so you can grow your savings without any effort!

Term investment

6.10 % p.a.

for 12 months

View rates

Conditions apply. Min deposit $1k.

Low Rate and Platinum Mastercard®

Choose between our lowest rate credit card, and our best card for cashback rewards.

Accounts

Whether you're after a day-to-day spending account or looking to save for something special, we have a range of accounts you can choose from.

Apply for a home loan

Apply online or chat to a lending specialist

You can start your application online today or send us an enquiry with your key details. One of our lending specialists will get in touch to chat through your home loan options.

Find the right card for you

Cards

Take a look at our Debit, Low Rate and Platinum Mastercard® options.

Watch your money grow

Term investments

You can decide how your money grows.

Looking for a day-to-day or savings account?

Accounts

We have a range of accounts you can choose from.

Estimate your repayments

Home Loans

Use our home loan calculator to work out what your repayments could be.

Currency calculator

Foreign Exchange

Get your money sorted before you head off so there is one less thing to think about when you start packing.

This calculator is for purchasing or selling of physical foreign cash. It is provided for information purposes only and uses indicative rates that are subject to change. The values shown are indicative only and do not include any fees or charges that may apply. See our Fees page for more detail. 

Currency I have
Converts to

Exchange rate: 0.887
(as of 18/07/2024)

This calculator is for purchasing or selling of physical foreign cash. It is provided for information purposes only and uses indicative rates that are subject to change. The values shown are indicative only and do not include any fees or charges that may apply. See our Fees page for more detail. 

How to guides

Looking for help?

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