Home Loan Rates
Choose a competitive home loan rate
What suits you? A fixed or floating rate - or a combination of both? The choice is yours.
The page you're after isn't on our new website just yet, but you can find it on our old site.
Would you like go there now or keep looking around here?
You’ll notice our name and colours have changed along with how our website. Although we now look different, the way you do things on our website remains the same.
Our promise of putting you first remains part of our philosophy and we’ll continue to provide award-winning customer service and experiences.
With a fixed rate your interest is fixed from the start, and stays the same for the time you choose – from 6 months-10 years. If you’re looking for a way to budget this is a great option, your repayments will stay the same over the time you’ve chosen. Plus you’ll be able to make extra payments up to $10,000.00 per calendar year without penalty of the outstanding loan balance or up to $10,000 per calendar year, depending on the lesser amount. If you’re looking to take out new lending with us, we can hold a fixed rate for you for up to 60 days once your loan is contracted. If your rate is up for renewal, you can easily re-fix through Online Banking1.
Take a look at our 10 year fixed home loan benefits
A floating or variable interest rate moves with the market, decreasing your repayments when interest rates are low, and increasing them when the market rates are higher. If you’re looking to pay off your home loan faster, a floating/variable rate allows you the flexibility to increase your repayments, or make extra payments without any penalties.
Want the certainty of a fixed rate with the flexibility of a floating/variable rate? Talk to us about a combination of both. You can decide what portion of your loan is fixed and floating/variable, allowing you the flexibility to reach your goals faster.
1. There are currently some exceptions to re-fixing your loan with Online Banking. Please contact us if you can’t re-fix through Online Banking.
Terms and Conditions – 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.
© TSB BANK LIMITED 2008-2017. Use of this website is subject to our Website Policy. TSB BANK Limited is in trade for the purposes of the Fair Trading Act 1986.