When it comes to your home loan and how you make repayments, one size doesn’t fit all. Choose from options to suit your lifestyle.
Pick the home loan that’s right for you Want to make the same repayment amount for the term of your home loan? With each repayment you make, the proportion of principal paid back gradually increases as the interest paid back decreases, but your repayments stay the same. Note that if you’re on a variable interest rate instead of a fixed interest rate, your interest payment will change with the market. Interested in Revolving Credit? It works a little like a large overdraft. You’re free to make repayments whenever you like, and you can withdraw money up to your credit limit when you need to. Revolving credit loans are only offered on variable interest rates. Choose how you make repayments How frequently do you want to make repayments? Align your repayments to suit your lifestyle. With most loans you can choose between repayments of weekly, fortnightly, monthly or quarterly repayments1. Want to pay your loan off faster? If you’re in the position to, choose to automatically increase the amount of principal you pay off each year. This way you’ll pay less interest on term of your loan. Need bridging finance? If you’re looking to sell your current home and buy or build a new one, bridging finance can help take the pressure off selling in a hurry. You’ll be set up with a separate loan, that’s usually on an interest-only basis. Your current property will be used as security, and the loan will be repaid when your property sells. Interest rates are 1% p.a. above our standard home loan rates. Things you need to know If you’re unable to make your regular payments and are facing unforeseen hardship, there are options available to assist you through difficult times. Let us know straightaway if you move. If you break a fixed rate term early, or pay more than 5% extra or $10,000 (whichever is the lesser per calendar year), you may need to pay break costs1. Learn more Getting started Apply Now Message Us Call 0800 872 226 FIND A BRANCH Don’t forget to read this bit 1. Refer to the terms and conditions of your loan. Take a look at our Disclosure Statement or grab a copy from your local branch. TSB’s current assessment lending criteria, lending terms and conditions, interest rates and fees apply. Use of accounts and services are subject to TSB’s General Banking Information.
Pick the home loan that’s right for you Want to make the same repayment amount for the term of your home loan? With each repayment you make, the proportion of principal paid back gradually increases as the interest paid back decreases, but your repayments stay the same. Note that if you’re on a variable interest rate instead of a fixed interest rate, your interest payment will change with the market. Interested in Revolving Credit? It works a little like a large overdraft. You’re free to make repayments whenever you like, and you can withdraw money up to your credit limit when you need to. Revolving credit loans are only offered on variable interest rates.
Pick the home loan that’s right for you Want to make the same repayment amount for the term of your home loan? With each repayment you make, the proportion of principal paid back gradually increases as the interest paid back decreases, but your repayments stay the same. Note that if you’re on a variable interest rate instead of a fixed interest rate, your interest payment will change with the market.
Interested in Revolving Credit? It works a little like a large overdraft. You’re free to make repayments whenever you like, and you can withdraw money up to your credit limit when you need to. Revolving credit loans are only offered on variable interest rates.
Choose how you make repayments How frequently do you want to make repayments? Align your repayments to suit your lifestyle. With most loans you can choose between repayments of weekly, fortnightly, monthly or quarterly repayments1. Want to pay your loan off faster? If you’re in the position to, choose to automatically increase the amount of principal you pay off each year. This way you’ll pay less interest on term of your loan. Need bridging finance? If you’re looking to sell your current home and buy or build a new one, bridging finance can help take the pressure off selling in a hurry. You’ll be set up with a separate loan, that’s usually on an interest-only basis. Your current property will be used as security, and the loan will be repaid when your property sells. Interest rates are 1% p.a. above our standard home loan rates.
Choose how you make repayments How frequently do you want to make repayments? Align your repayments to suit your lifestyle. With most loans you can choose between repayments of weekly, fortnightly, monthly or quarterly repayments1.
Want to pay your loan off faster? If you’re in the position to, choose to automatically increase the amount of principal you pay off each year. This way you’ll pay less interest on term of your loan.
Need bridging finance? If you’re looking to sell your current home and buy or build a new one, bridging finance can help take the pressure off selling in a hurry. You’ll be set up with a separate loan, that’s usually on an interest-only basis. Your current property will be used as security, and the loan will be repaid when your property sells. Interest rates are 1% p.a. above our standard home loan rates.
Things you need to know If you’re unable to make your regular payments and are facing unforeseen hardship, there are options available to assist you through difficult times. Let us know straightaway if you move. If you break a fixed rate term early, or pay more than 5% extra or $10,000 (whichever is the lesser per calendar year), you may need to pay break costs1. Learn more
Don’t forget to read this bit 1. Refer to the terms and conditions of your loan. Take a look at our Disclosure Statement or grab a copy from your local branch. TSB’s current assessment lending criteria, lending terms and conditions, interest rates and fees apply. Use of accounts and services are subject to TSB’s General Banking Information.
1. Refer to the terms and conditions of your loan. Take a look at our Disclosure Statement or grab a copy from your local branch. TSB’s current assessment lending criteria, lending terms and conditions, interest rates and fees apply. Use of accounts and services are subject to TSB’s General Banking Information.
