• Published 24/9/2025
  • Read Time: 2 mins

 TSB Bank has cut its home loan rate to 4.49% p.a. fixed for two years, a lower advertised rate than all the major banks on this term. 

  • Fees & Rates

    A category for updates relating to TSB fees and rates.

  • General

TSB has cut its home loan rate to 4.49% p.a. fixed for two years, a lower advertised rate than all the major banks on this term. 

TSB General Manager of Customer Delivery, Penny Burgess says, “In today’s challenging economic environment, with rising living costs, we know people are concerned about housing affordability. A low rate like this will support customers' financial wellbeing.

“As TSB celebrates 175 years in business throughout Aotearoa, this is another way we can support our customers and any new borrowers. 

“For people who aren’t already banking with TSB, this is a great time to switch your home loan. We’ll make it easy.” 

Customers can find out more online, in-branch, or on the phone, and new customers canjoinTSB or find out how toswitchhere

Important information 

All interest rates are subject to change. Standard lending terms and conditions apply. A minimum deposit of 20% is required for home lending with a special interest rate. Residential loans with less than a 20% deposit are subject to availability of funds. An Early Repayment fee may apply on fixed rate loans. Different lending criteria applies for residential investment, business, commercial and rural loans.

Terms and Conditions and more information is available on www.tsb.co.nz

For more information contact: