What will your repayments be?

* This calculator is an estimate only, it is not an offer of finance by TSB Bank. This calculated figure does not take into account your personal financial situation or goals. Lending criteria, contract terms, interest rates and fees apply. Interest rates are subject to change at any time without notification.

  • Interest rates explained

    Interest rates

    Fixed interest rate

    With the interest rate set at the beginning of the fixed term, you can be certain of how much your loan will cost you over that period. For new lending, fixed rates can be held for up to 60 days once your loan is contracted.

    Floating / Variable interest rate

    Interest rate changes follow market rates. You’ll have the flexibility to increase your repayments, put in a lump sum or pay off the loan early. You can accelerate principal to pay off your loan quicker, with reduced interest costs, or make the most of improved financial circumstances.


    The best of both worlds – part-floating, part fixed – and you decide how much of each. You have certainty of a fixed rate as well as the flexibility of a variable rate.

  • View fine print

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