Special home loan offer

Be in to win a year with no home loan interest payments when you take out any great TSB Bank home loan rate before 30 April 2017. You’ll still make regular principal home loan repayments toward your loan, but we’ll pay your interest for an entire year. Imagine what you could do with the savings.

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



10 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.

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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

  • No fees on EFTPOS or bank operated ATM** transactions

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

  • The hard work done for you when changing banks

  • 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. 14/03/2017
1 Year Fixed Special from 4.55 % p.a. 14/03/2017
18 Months Fixed Special from 4.75 % p.a. 14/03/2017
2 Years Fixed Special from 4.75 % p.a. 14/03/2017
3 Years Fixed Special from 5.15 % p.a. 14/03/2017
10 Years Fixed Special from 5.99 % p.a. 14/03/2017
Housing Variable from 5.65 % p.a. 14/03/2017
6 Months Fixed from 4.99 % p.a. 14/03/2017
1 Year Fixed from 4.80 % p.a. 14/03/2017
18 Months Fixed from 4.99 % p.a. 14/03/2017
2 Years Fixed from 5.15 % p.a. 14/03/2017
3 Years Fixed from 5.45 % p.a. 14/03/2017
5 Years Fixed Special from 5.79 % p.a. 14/03/2017



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 19 March to 30 April 2017. Loan must be contracted during the campaign period. Loan must be partially/fully drawn down by 29 June 2017. Available to new lending and existing table and instalment home loans for the purchase, building or refinance from another bank for residential properties. You get one entry in the interest free prize draw per qualifying entity or associated entity and the borrower must have their salary or wages direct credited into a TSB Bank account. Winner(s) must agree to publicity in a manner determined by TSB Bank. Value of the prize cannot be converted to cash. The prize draw will take place on 30 June 2017. TSB Bank will pay the interest on the winner’s home loan on their behalf for a period of 12 months from date of acceptance of prize draw terms and conditions, to a maximum loan value of $500,000 (or until the balance of the loan has been repaid in full). The winner will still need to pay the minimum principal repayments as per the TSB Bank Loan Contract. After 12 months, normal interest payments will resume . An interest margin may apply for loans in excess of 80% of valuation. An interest rate margin of up to 0.25% may apply to lending on residential investment properties. This offer is not available for bridging loans, loan restructures, revolving credit increases or where the borrower has any loan arrears in excess of 30 days. A fixed loan prepayment fee may apply on fixed rate loans. TSB Bank’s lending terms and conditions apply. Interest rates may change at any time. A Disclosure Statement is available from TSB Bank Ltd. All existing TSB Bank customers that meet the above criteria are automatically entered into the draw.

    See our Lending Terms & Conditions and fees.