Whether it’s taking control of your home loan, setting your household budget, or saving for your future, TSB has you covered every step of the way.
Home loans
Choose what's right for you
Whether you’re after the certainty of a fixed term, the flexibility of floating, or a combination of both, we have a range of rates and terms to suit you.
When it comes to loan type and repayment plans, one size doesn't fit all. Enjoy the freedom of a revolving credit, or make budgeting easier with a fixed home loan - whatever works best for you.
Align your repayments to suit your lifestyle, whether it's weekly, fortnightly, monthly or quarterly. Use our home loan calculator to see what your repayments could be.
With a little planning and some helpful home loan tools, you can shorten the length of your loan term, reduce the amount of interest you pay, and save money in the long run.
Investing for your future
Term Investment
Are you able to tuck some money away for a bit, in return for a competitive interest rate?
Consider a Term Investment account. You control how long you put your money away for, and you’ll earn a good rate of return.
Premier
Our flexible, all-in-one account that rewards you with interest.
KiwiSaver
Save for your retirement, or your first home, with the Fisher Funds KiwiSaver Scheme.
Everyday budgeting tips
Simple budgeting and money habits can make a big difference over time. Here are some top tips from our TSB team:
Make a budget and stick to it.
The team at Money Talks have free and easy-to-use resources on their website, such as financial action plans and simple budgeting spreadsheets.
Shop around for the best deal on utilities.
It has never been easier to switch power providers, and there are handy, free tools online like Powerswitch that let you know if you’re getting the best deal.
Check if your broadband plan, or other utility, has come off contract.
You can often get a discount by locking in again for a fixed period.
Create separate bank accounts for bills and general savings.
Each payday, set up automatic payments up to labelled accounts in your online banking, and use what's left for savings and discretionary spending. You can set up as many accounts as you need easily online.
Do an annual check-up of your insurance.
Comparing plans online to see if you’re getting the best deal can save you money. If insurance payments are causing you some difficulty, it’s best to temporarily reduce your premiums by having lower cover, rather than cancelling and having no cover at all.
Make meal plans and do the grocery shop online.
That way you can see how much your groceries are costing, and you can easily update your list to cut back on costs.
Financial assistance
If you're experiencing financial hardship, having difficulty meeting your payment obligations to us, or think this may happen soon, it's important to let us know as soon as possible.
Visit our Financial Assistance page for more information.
We’re here to help.
Helpful resources
Making a simple budget and sticking to it over time is a great way to regain more control over your money.
The team at Money Talks have free and easy-to-use resources on their website, such as financial action plans and simple budgeting spreadsheets.
MoneyTalks is a free and independent service providing budgeting advice who can help with understanding your financial situation, organising your debt, and planning for the future.
You can talk to a qualified Financial Mentor at Money Talks on 0800 345 123, text 4029 or email help@moneytalks.co.nz
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