Rating based on 36 reviews

TSB Bank


  • Low-interest starting from 4.19%
  • Property finance up to $500,000
  • Repayment up to 30 years

In-page navigation

TSB Bank homepage

Author TSB Bank. Screenshot of TSB Bank website. [Accessed May 23, 2018]

About TSB Bank

With over 166 years of history and experience, TSB Bank remains independently owned and devoted to our customers.

We’re different from other banks and have proved it by standing our ground even when times got tough. If you want to deal with a bank that works as hard as you do – it’s TSB Bank that you’re after.

More than just a bank

TSB is more than just a bank – we’re a part of history and the driving force behind the financial success of so many kiwis. We offer some of the lowest and most competitive home loan interest rates and financial products in the country and will always keep rates low, fair and working for you – the customer.

What TSB Bank can offer you

At TSB Bank we offer one of the best and most valued first time home buyer mortgages – with rates from just 4.19% - our home loans are superior and make more sense when looked at from a features perspective.

If you want a mortgage that works hard for you than contact us to discuss your options today!

Flexible Home Loans that do more

We offer both fixed and variable interest home loans at incredible low rates while also offering you bridging finance and revolving credit mortgages which offer you the flexibility that no other bank offer. You can also opt for a combination of the fixed and variable rate home loans which gives you the chance to choose what works for you.

TSB Bank Product Details

  • Loan Type Property finance
  • Interest Rate 4.19 – 5.19% p/a
  • Loan Amount up to $500,000
  • Repayment 12 months to 30 years

Financing your new home with TSB Bank is as easy as completing an appication online

There is simply nothing more rewarding both personally and financially than owning your own home and TSB Bank strives to assist those who want to buy their very first home do so at a great rate with flexible terms and a low deposit.

We can help you with a home loan with only a 10% deposit required!

Apply for a home loan online or in branch

With TSB Bank you can apply for a loan online by either logging into your online banking or simply clicking the apply now tab for new customers and completing the necessary details. You can also fill in our contact form so we can get back to you during business hours or alternatively we welcome you to visit us in branch to discuss your options.

Can I pay my home loan earlier than the required date?

If you have an excess of money at your disposal and would like to settle your home loan earlier than the required date, you are more than welcome to do so. This shows us that you are serious about ensuring that your payments are paid up. Such financial commitment will also make it easy for you to obtain another loan in the future. We applaud our customers when they do a good job.

This is another way of ensuring that your credit score will be at a higher rank.

What is the best payment method?

When you make use of the debit order payment, it makes things easier for all parties. There is no reason for us at TSB Bank to remind you as the customer as everything is automated. The client doesn’t also have to run around to ensure that the payment was made on time.

It is the responsibility of the customer to ensure that they have made sure there is enough money on their bank account on the day of the debit order. Should we be unable to deduct the money due to insufficient funds, the client will be charged extra for the inconvenience caused.

Customer Reviews & Testimonials

September 2018

The consultant that assisted me helped me understand everything from the initiation of the loan application to the last stage of the approval. It felt good to find someone that walks you through ...

— Blackball —

December 2018

I was happy to find a TSB Bank loan that I could afford to pay with my monthly salary.

Zelda R
— Blenheim —

February 2019

The agents also fast-tracked my application process and that proved to me that they genuinely care about the financial position of their clients.

Victor H
— Bluff —

April 2019

Everything was done in the quickest turnaround time. I knew of the status of my loan application within hours of applying.

Mary J
— Allanton —

TSB Bank Contact Details

Contact Number


  • not available


Physical Address

  • Botany Service Centre, 2 Market Square Botany,Town Centre Auckland Auckland 2013 New Zealand
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 19:00
  • Friday 09:00 – 17:00
  • Saturday 09:00 – 16:30
  • Sunday 10:00 – 16:00