Special home loan offer

If you’re thinking about taking out a home loan or switching banks, why not take out our hot home loan rate of 4.49% p.a. fixed for two years. Hurry – this offer is only, available until 31 July 2017.

Whether you’re new in the housing market or refinancing, our friendly experienced team will make the process quick and simple.

Apply now  | Enquire now | Contact Us

m1 home loan



3 year fixed rate special      home loan calculator

Apply for a TSB Bank home loan

We can help you into your new home or refinance your home loan from another bank.  You can download an application form online, and send it through by email or drop it in to your nearest branch. If you’re not sure what you’re after, give us a call and we can chat through your loan options and guide you through what you need.

Learn more



About TSB Bank

We’re different to other banks. We’ve been independent and New Zealand owned ever since we started in 1850 and not having overseas owners means we can make decisions based on what’s best for our customers. Because putting you first is just a better way to bank.

No matter where you are in New Zealand, switching to TSB Bank is simple - take out a home loan with us and we’ll take care of the rest.

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What else you get with TSB Bank

  • Mix and match repayment options to choose how you pay and when

  • An everyday account with no monthly fees.

  • No fees on EFTPOS or bank operated ATM* transactions

  • Simple and easy-to-use Online & Mobile Banking

  • Calls answered 7 days a week by a real person (8am to 7pm Monday-Friday & 9am to 5pm Saturday-Sunday)

  • Savings, investment & insurance options



Our Current Home Loan Rates

A minimum deposit of 20% is required for home loan special interest rates. Residential loans with less than a 20% deposit are subject to availability of funds and may incur an additional low equity interest rate, while the loan exceeds 80% of the value of the home. All interest rates are subject to change without notification.
Term Rate Effective Date
6 Months Fixed Special from 4.85 % p.a. 01/08/2017
1 Year Fixed Special from 4.55 % p.a. 01/08/2017
18 Months Fixed Special from 4.75 % p.a. 01/08/2017
2 Years Fixed Special from 4.79 % p.a. 01/08/2017
3 Years Fixed Special from 4.99 % p.a. 01/08/2017
10 Years Fixed Special from 6.20 % p.a. 01/08/2017
Housing Variable from 5.80 % p.a. 01/08/2017
6 Months Fixed from 4.99 % p.a. 01/08/2017
1 Year Fixed from 4.80 % p.a. 01/08/2017
18 Months Fixed from 4.99 % p.a. 01/08/2017
2 Years Fixed from 5.15 % p.a. 01/08/2017
3 Years Fixed from 5.45 % p.a. 01/08/2017
5 Years Fixed Special from 5.79 % p.a. 01/08/2017



home loan options

Loan options

Mix and match from a range of loan and repayment options.



Ask us about a home loan

Changing to TSB Bank is easy. Simply fill in your details and we’ll get in touch about options that suit you. To switch your mortgage to TSB Bank, we'll do all the preparation for you, including moving your accounts and automatic payments from your current bank if you need us to.


  • Terms and Conditions

    * Use of ATMs not owned by any bank in New Zealand may incur an additional transaction fee for which TSB Bank receives a commission. 

    Offer available from 18 June – 31 July 2017. Loan must be contracted during the campaign period. Minimum new lending of $100,000 required. Promotion is available for the purchase, building or refinance from another bank of residential properties. Offer can be withdrawn or amended at any time. Additional interest rate margins may apply for low equity or property investment loans. This offer is not available for bridging loans, loan restructures or revolving credit increases. TSB Bank’s standard account opening criteria, current lending criteria, terms and conditions, fees and interest rates apply. A Disclosure Statement is available from TSB Bank Ltd.

    See our Lending Terms & Conditions and fees.