Home loan rates.
Choose from our competitive home loan rates.
Call 0800 231 232
Choose a home loan rate that's most suited to your needs. Fixed, floating or a combination, the option is yours.
The page you're after isn't on our new website just yet, but you can find it on our old site.
Would you like go there now or keep looking around here?
This is just the start. But we’d love to hear what you think so far.
The interest rate is set at the beginning of your chosen voluntary principal term, and repayments are at a fixed amount for that portion of your overall loan term. You can make extra payments each year of up to 5% of the outstanding loan balance or $10,000 (whichever is the lesser). For new lending, fixed rates can be held for up to 60 days once your loan is contracted. When your rate is up for renewal, you can re-fix through Online Banking**.
Find out more about our 10 year fixed home loan rate.
The interest rate can go up or down with the market, so repayments will increase or decrease in line with the interest rate change. You’ll have the flexibility to increase your repayments or make extra payments without being penalised.
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.
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.
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.
* Refer to the terms and conditions of your loan.
**While online re-fixing is available for Residential Table Loans only, some exceptions may apply.
TSB Bank Ltd’s current assessment lending criteria, lending terms and conditions, 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.
© TSB BANK LIMITED 2008-2017. Use of this website is subject to our Website Policy. TSB BANK Limited is in trade for the purposes of the Fair Trading Act 1986.