Take control of your home loan with these handy features — all designed to give you flexibility when you need it and help you pay your loan off sooner.
Structuring your home loan
Get the right home loan structure to suit your lifestyle and financial goals. Learn about fixed vs floating rates, split loans, and how to make your mortgage work smarter for you.
Pay off your home loan sooner
Top up your repayments or make extra payments anytime. It’s easy to do and could help you pay off your loan sooner.
Refix your home loan
Is your fixed rate coming to an end? Refixing your home loan could give you more certainty and help you save. Compare options and lock in a rate that works for you.
Get in touch
Take the next step that suits you
Looking for help?
Talk to a home loan specialist
Whether you’re just starting out or ready to apply, we’re here to help you with your home loan. You can chat with one of our lending specialists on 0800 231 232, Monday to Friday, 8:30am–5pm. They’ll answer your questions, help explore your options, and guide you through the home loan process.
Need help outside of these times? Our Mobile Mortgage Managers can come to you, or you can chat to them over the phone or a video call - so you can get help when it works best for you.
Important information
General Lending Terms and Conditions:
- TSB may approve residential loans with less than a 20% deposit subject to bank funding requirements.
- An early repayment fee may apply on fixed rate loans.
- All interest rates are subject to change.
- Lending criteria, terms and conditions, and fees apply.
- When you bank with TSB you agree to our General Terms.