Keep your home
loan on home turf

We’re proud to support New Zealand by keeping our profits at home. We genuinely care about doing what’s best for New Zealand and the more profit we keep revolving through our local economy, the better the outcomes for our country and people. 

We're taking price out of the picture, so you can focus on what's really important: keeping profits in NZ. We'll match any home loan rate advertised by ANZ, ASB, BNZ or Westpac. If you've found a better rate, let us know.






Current TSB Home Loan Rates

All interest rates are subject to change without notification. Different lending criteria applies for business, commercial and rural loans. Standard lending terms and conditions apply.

Term Special (minimum 20% deposit) Standard (less than 20% deposit)
1 year 3.39% p.a. 4.19% p.a.
2 years 3.55% p.a. 4.35% p.a.
3 years 3.89% p.a. 4.69% p.a.
4 years 4.45% p.a. 5.25% p.a.
5 years 4.55% p.a. 5.35% p.a






What makes us different


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You're in good company

Experience our award-winning service. Our
customers are at the heart of everything we do.
When you need to chat something over,
you can call us and there will always be a real
person to answer your call.

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We're 100% NZ owned

We're a 100% New Zealand-owned bank and
are proud to have been supporting New
Zealanders and their communities for over
168 years. 


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Bank anywhere, anytime

You can bank with us wherever you are in
New Zealand, even if there's not a physical
branch nearby.







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Existing customer
  • Don't forget to read this bit

    We will match any nationally advertised home loan rate from ANZ, ASB, BNZ and Westpac for the same term and conditions. The offer only applies to the purchase, refinance from another bank or building of residential owner-occupied properties with an LVR under 80%. Loans must be contracted during the campaign period and drawn down within 60 days of contracting. TSB’s standard criteria, lending terms and conditionsinterest rates and fees apply. Inclusion of loans with special conditions attached is at TSB's sole discretion. Minimum loan amount of $100,000 applies. Direct credit of wages or salary is required. All interest rates and offers can be changed or withdrawn at any time without notice. Take a look at our Disclosure Statement or grab a copy from your local branch