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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


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

If you're selling your home and buying or building a new one, bridging finance can take the pressure off selling your current home in a hurry. This is a separate loan and typically on an interest-only basis, with the old property used as security and the loan repaid when that property sells. Interest rates are 1% p.a. above our standard home loan rates.

Apply Now Enquire now Or call 0800 231 232

*Not applicable to the Welcome Home Loan


*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.