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.

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.

Serious woman sitting on sofa looking at smartphone and is upset

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.

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. 

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.

Woman leaning against blue car holding up keys gnome going through the windscreen

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.

Latest news

  • Fees & Rates

    1 October 2025

    Business, Rural and Commercial base rate changes - October 2025

    Business, Rural and Commercial base rate changes - October 2025

  • 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.

  • Fees & Rates

    5 September 2025

    Changes to our service fees – 5 September 2025

    We’ve made some changes to our fees. Effective 5 September 2025, we’ve removed 14 service fees and reduced the unauthorised overdraft fee.