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.
Top-up your home loan
Need some extra funds for renovations, a new car, or a big purchase? You could top up your TSB Home Loan to borrow more.
Get in touch
Take the next step that suits you
Looking for help?
Talk to a home loan specialist
Whether you're reviewing your home loan, thinking about a top-up, coming up for refix, or exploring your options, we're here to help. Send us a few details and one of our Home Loan Specialists will get in touch within 2 business days. They'll answer your questions, talk through your options and help you make informed decisions about your home loan.
Have a general question?
You can call us on 0800 872 226 from 8am-6pm Monday to Friday, and 9am-5pm on the weekend.
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.