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 just getting started or ready to apply, we’re here to help you take the next step with your home loan. The easiest way to get started is to book a phone or video appointment with one of our Home Loan Specialists. You’ll see real-time availability and can choose a time that works around your schedule. They’ll answer your questions, talk through your options and guide you through the home loan process – so you can move forward with confidence.
Not ready to make an appointment? Send us a few details and one of our home loan specialists will get in touch within 2 business days to answer any questions and guide you through the next steps.
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.