Your home loan options

 

Home Loan Special Rates

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

tsb home loan house

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

tsb home loan calculator

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

 


 

How can we help?
 

Getting into your first home

Making the move from renter to homeowner? Find out how to get your deposit together and take the first step into your own home.

Building a home

If you’re thinking about building, arranging finance might be easier than you think. We can help bring your building project to life.

Invest in a property

If you’re looking to purchase an investment property, find out how we can help grow your property portfolio.
 

Buying your next home

Whether you’re looking to upsize or downsize, we'll help you make your next house a home.

Home loan top up

Looking to renovate or purchase something special? We’ll keep things simple when you need to top up your loan.
 

 

 

Manage your home loan

With a little planning and some helpful home loan tools, you can shorten the length of your loan term, reduce the amount of interest you pay, and save money in the long run.

See how our home loan features can help you pay off your loan sooner.
 

We’re here to help

If you’re unable to make your regular payments and are facing unforeseen hardship, there are options available to assist you through difficult times.

 

 

StepUp
Automatically increase your repayments by a small amount each year.

 

 


 

Chat to us today

 


 

Save time - start your application

Download the application form below, fill out what you can and email it to emailsupport@tsb.co.nz. 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 or let our Mobile Mortgage Managers come to you – whenever and wherever suits.

When you’re ready to talk with one of our team, you’ll need to provide us with the following to assess your loan application:

  • Evidence of your income if your wages aren't deposited directly into a TSB account (three months’ bank statements and your two most recent pay slips).
  • Or, updated financial statements for the last two years if you're self-employed.
  • Three months of statements for any credit cards, hire purchases or personal loan facilities.
  • Photo Identification (Driver’s License or Passport - these may need to be certified).

If we need more information or additional documentation, we’ll let you know what else you need to bring along.

 

  • Don’t forget to read this bit

    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.

    1. Offer available from 20 August – 13 October 2018 for loans relating to residential properties only. Additional interest rate margins may apply for bridging loans and buyers with less than 20% deposit (including Welcome Home loans). Loan must be contracted during the campaign period and drawn down within 60 days of contracting. Offer can be withdrawn or amended at any time. All interest rates are subject to change without notification. TSB’s current account opening criteria, current lending criteria, terms and conditions, fees and interest rates apply. 

    2. Use of ATMs not owned by any bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB receives a commission.