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Loan options

Table loan

Each payment you make is the same (although if you’re on a variable interest rate, your interest payment will change with the market). With each instalment the proportion of principal paid back gradually increases as the interest paid back decreases.

Instalment loan

Paying the same amount of principal back with every repayment reduces your interest payments a little every time (depending on changes to interest rates).

Revolving Credit

You can opt for a revolving credit facility as part of your TSB Bank Home Loan (limits apply). Direct credit your salary and as your debt reduces, you can draw funds again.

Repayment options

Frequency

Choose from weekly, fortnightly, monthly or quarterly* payments. More frequent payments reduce the interest paid over the loan term.

Accelerated repayment

You can arrange principal repayment increases automatically each year, reducing your overall borrowing costs.

Bridging finance

Pay interest only on bridging finance. Bridging finance can allow you to proceed with the purchase of a new property with the benefit of being a cash purchaser and it can take the pressure off selling your present home in a hurry.

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*Not applicable to the Welcome Home Loan

Questions?

*TSB Bank Ltd's current lending criteria apply. Subject to approval.

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.