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Home Loans. Buying a home made easy.

A TSB Bank Home Loan is whatever you want it to be. It’s not an ‘off-the-shelf’ kind of product. It’s about working with our experienced team of Loan Consultants, to mix and match from a wide range of loan, rate and repayment options. The end result? A loan that’s as individual as you are.

Loan and Repayment Options

When it comes to getting a home loan with us you’re free to mix n match from a range of loan and repayment options to design a package that suits your lifestyle.

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First Home Buyers

Need a hand to buy your first home? Check out our Welcome Home Loan option. It’s a great way to get started and you only need a 10% deposit.

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Building a new home

If you’ve been thinking about building and getting the home you’ve always wanted, arranging the finance could be easier than you realise, with less deposit needed than buying property.

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Our Home Loan Rates

Choose a loan rate that's most suited to your needs. Fixed, floating or a combination, the option is yours.

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Less than 20% Deposit?

You could still get the house of your dreams with a smaller deposit, even with the Reserve Bank's restrictions on home loans.

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Bridging Finance

If you're selling your home and buying or building a new one, our bridging finance is available to take the pressure off selling your current home in a hurry.

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Things you need to know

  • If you’re unable to make your regular payments and are facing unforeseen hardship, there are options available to assist you through difficult times
  • Let us know straightaway if you move.
  • If you break a fixed rate term early, or pay more than 5% extra or $10,000 (whichever is the lesser), you may need to pay break costs. Find out more

Apply for a Home Loan

Apply Now Enquire Now Call 0800 231 232 or find your nearest branch

Download our Disclosure Statement or pickup a copy at your nearest branch. TSB Bank Ltd’s current assessment lending criteria, contract terms, interest rates and fees apply. Use of accounts and services are subject to TSB Bank's General Banking Information, which includes how to resolve issues.