Home loan top up
Borrowing for renos, big purchases or that life event is easy
Looking to renovate or purchase something special? You could top up your existing home loan for that little bit extra.
Whether you’re renovating, buying a new car, planning a wedding or consolidating debts – you could get that little bit extra you need from your current home loan.
It's important that you consider the value gained from what the top up is used for and how you choose to structure this with your home loan. You can choose to add it to your existing loan, meaning you pay it off over a longer period, or have a separate loan that you can pay off sooner.
OTHER THINGS
You can structure your top up as an increase on your existing home loan, or as a separate loan with a shorter term.
If you’re getting a home loan top up for a renovation project that requires a building consent there is additional information we'll need from you. Let us know what you’re planning and we’ll help get the right paperwork together.
House cover arranged by TSB in conjunction with TOWER provide insurance cover for a home if it is damaged by an unforeseen accidental event such as a natural disaster, fire, accident or storm.
MORTGAGES
YOUR RATE
Whether you’re after the certainty of a fixed term, the flexibility of floating, or a combination of both, we have a range of competitive rates to offer.
HOME LOAN RATES
YOUR HOME LOAN OPTIONS
When it comes to loan type and repayment plans, one size doesn’t fit all. Enjoy the freedom of a revolving credit, or make budgeting easier with a fixed home loan - whatever works best for you.
LOAN & REPAYMENT OPTIONS
YOUR REPAYMENTS
Align your repayments to suit your lifestyle, whether it's weekly, fortnightly, monthly or quarterly. Use our home loan calculator to see what your repayments could be.
HOME LOAN CALCULATOR
APPLY NOW
Start your application by providing us with your key details. We'll then contact you for any further information we might need and to discuss the next steps. You can also make an appointment with your local branch, give us a call on 0800 872 226, let our Mobile Mortgage Managers come to you – whenever and wherever suits or set up a video call via Virtual Bank and chat to us from anywhere.