TSB New Zealand

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Choose the home loan that's right for you

Whether you're looking to buy, build, switch or top up your home loan, we can help find the home loan solution that works best for you.

TSB's standard lending criteria, T&Cs, and fees apply. Min. 20% deposit.

Apply online Enquire now

Grow your savings with this great rate

Choose how long you want to put your money away for and your interest rate will be fixed until the end of the term, so you can grow your savings without any effort!

Conditions apply. Min deposit $1k.

Term Investment
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Be scam smart

Don't respond to unexpected text messages or click on unexpected links. If you are unsure if an email or text is legitimately from us, or notice unusual activity on your account, contact us on 0800 872 226.

Security tips
Depositor compensation scheme, providing additional protection for your deposits if a deposit taker goes out of business.

Depositor Compensation Scheme

On 1 July 2025 the Depositor Compensation Scheme (DCS) came into effect, providing additional protection for your deposits if a deposit taker goes out of business. 

How it works & what it means
TSB Bank confirmation of payee

Confirmation of Payee

The Confirmation of Payee service is a New Zealand banking industry initiative that aims to give consumers greater confidence when making payments. It is available on TSB online banking and our app.

Explore what it means for you
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Get covered and save $100 with Tower today

You never know when ‘Miss Takes’ will show up, so make sure you’re covered with Tower and save $100 on every eligible house, landlord, and comprehensive car policy.* Ts&Cs apply.

Get a quote

Latest news

  • Fees & Rates

    14 October 2025

    Lending rate changes - 14 October 2025

    Effective 14 October 2025, we decreased our residential variable and revolving credit interest rates.

    Read more
  • Fees & Rates

    1 October 2025

    Business, Rural and Commercial base rate changes - October 2025

    Business, Rural and Commercial base rate changes - October 2025

    Read more
  • Fees & Rates
    General

    24 September 2025

    TSB cuts home loan rate to under 4.5%

    TSB Bank has cut its home loan rate to 4.49% p.a. fixed for two years, a lower advertised rate than all the major banks on this term.

    Read more
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