Loan & Repayment Options
Mix n’ match from a range of choices
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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.
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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.
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.
Align your repayments to suit your lifestyle. With most loans you can choose between repayments of weekly, fortnightly, monthly or quarterly repayments1.
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.
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.
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.
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