Take control of your home loan with these handy features, all designed to give you flexibility when you need it, and help you pay off your home loan sooner. 
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Additional Payments

Make extra payments without fees, up to $10,000 per calendar year.

You can make extra payments on each fixed rate home loan at any time, as often as you like, and any amount you like, with no early repayment fees, up to a total of $10,000 per calendar year. If you pay more than this or break a fixed term early, you may need to pay an Early Repayment fee.

On a floating/variable interest rate, you can make as many extra payments as you like, at any time, without having to pay an Early Repayment fee. 

There’s no paperwork involved – it’s as easy as transferring money from one account to another in online banking. Alternatively, you can pop into your closest branch or give us a call and we’ll transfer it for you.
 

Change Payment

Amend your scheduled payment amount without fees, up to three times within your fixed rate term.

If your home loan is a table loan on a fixed rate term, you can increase your scheduled payment amount up to three times over your fixed rate term, without any fees. You can do this by increasing your payment amount by any amount between $0.01 and $1,000 per calendar month. The total change in payment cannot be more than $1,000 above the amount of your actual payment at the beginning of the fixed rate term.    

You can lower your payment to any value equal to or higher than the required payment amount, at any time.  

On a floating/variable interest rate, you can increase your payments at any time and by any amount without having to pay an Early Repayment fee. 
 

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Financial Assistance

If you're experiencing financial hardship, having difficulty meeting your payment obligations to us, or think this may happen soon, it's important to let us know as soon as possible. Find out what options you have.

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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, lending terms and conditions, interest rates and fees apply.
•    When you bank with TSB you agree to our General Terms.