Rating based on 35 reviews

TSB Bank

  • Home loans up to $200,000
  • Low-interest starting from 3.79%
  • Repayment up to 5 years

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Author TSB Bank. Screenshot of TSB Bank website.
[Accessed March 7, 2023]

About TSB Bank

TSB Bank has been independent and locally owned since it began its operations in New Zealand in 1850.

We provide only the best financial products and services to our customers because we can understand them fully. We put you first and we know that this is the better way to the bank.

You will enjoy a range of advantages

When you call us, the phone will be picked up by a friendly professional who will answer all of your questions and provide the information which you require. We have helpful dedicated staff. We do not believe in automated answering systems. We have a comprehensive range of products and services including home loans, transaction and savings accounts and investment solutions. We have an online banking service, mobile app and a nationwide network of branches and ATMs.

TSB Bank Services

If you need a helping hand with buying your first home, you can consider the Welcome Home Loan available from TSB Bank and supported by Housing New Zealand.

You can qualify, if you are a permanent resident of New Zealand with acceptable credit history and an individual annual income lower than $80,000 or a household income lower than $120,000, in case of joint purchase.

The deposit required is 10%

You can use a KiwiSaver first home deposit subsidy to produce the total amount required. With it, you can obtain as much as $5,000. The home loan has a table repayment plan with each instalment consisting of two portions - interest and principal. As you continue to make the payments, the principal portion will grow to help you gain more equity in the property.

TSB Bank – Home loan

  • Loan Type Home loans
  • Interest Rate 3.796.05% p/a
  • Loan Amount up to $200,000
  • Repayment 6 months to 5 years

Benefits of TSB Bank

  • Quick and easy home loans
  • Apply online
  • Choose your loan rate
  • Flexible repayment options

TSB Bank Home should be your first choice when purchasing your home

Home credit is one of the greatest responsibilities most people can take, fiscally and ground-breaking! In this way, it is key to realize what home advances are the best and which offer the advantages, adaptability and credit alternatives for your needs.

A group of loan experts will help you get it done

TSB Bank Home Loans have a group of loan experts that will help you in looking for the ideal home advance for you. Regardless of whether you are looking for your first home, your vacation home, property or basically need money to remodel your home, sit with us and get the best arrangements and alternatives with regards to this important choice.

Switching to a TSB Bank home loan

In the event that you are not sure about your present financial situation and considering moving to an alternate mortgage to suit your way of life, it's important to investigate all the available options in regards to your home loan decisions. TSB Bank Home Loans Specialists can demonstrate to you ways you'll have the capacity to utilize your present home credit further for your own benefit to reap the benefits and rewards of your current loan.

Browse through our list of loan costs, for example:

  • loan rate rebates - keeping your advance reimbursements low
  • Competitive settled advance rates – to give you that peace of mind that you are always in your budget
  • Introductory rate rebates – to help you keep inside of your budgetary means
  • 100% Fixed Account – you can use your additional money towards paying off your home loan sooner
  • pre-bundled home credits – supplying you with the ability to save

Let TSB Bank Home Loans help you in the best decisions for your new home! We have years of experience backing us up, giving you the best advice and alternative offers to ensure you get the best out of your home loan.

Customer Reviews & Testimonials

As far as banks go, I'm happy with my choice.

Maria K
— Auckland —

Awesome! If I could give more stars, I would.

Devon K
— Rotorua —

I buy, revamp and resell property for a living. It's an expensive career choice, but TSB Bank and I have a mutually beneficial arrangement. I agree to pay them on time, and regularly take out loa...

Hugo G
— Queenstown —

TSB Bank Contact

Physical Address

Postal Address

  • PO Box 240, New Plymouth, 4340, New Zealand

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday 10:00 – 16:00
  • Sunday – Closed