Product
Provider
Rate
Fee
Repayment calculator
NZ$
%
Monthly repayment
NZ$2,884
NZ$518,368total interest
NZ$1,038,368total repaid
| Deposit tier | Rate | Monthly | Total interest | Total repaid |
|---|---|---|---|---|
| Deposit < 5% | 6.09% | NZ$3,148 | NZ$613,213 | NZ$1,133,213 |
| Deposit 5% – 9% | 6.09% | NZ$3,148 | NZ$613,213 | NZ$1,133,213 |
| Deposit 10% – 14% | 6.09% | NZ$3,148 | NZ$613,213 | NZ$1,133,213 |
| Deposit 15% – 19% | 6.09% | NZ$3,148 | NZ$613,213 | NZ$1,133,213 |
| Deposit 20% – 24%your tier | 5.29% | NZ$2,884 | NZ$518,368 | NZ$1,038,368 |
| Deposit ≥ 25% | 5.29% | NZ$2,884 | NZ$518,368 | NZ$1,038,368 |
Estimate only. Assumes principal & interest, constant rate for full term.
Rates by deposit sizeLVR — Loan-to-Value Ratio
The percentage of the property value you're borrowing. A lower LVR means a bigger deposit and usually a better interest rate.
Example: Property NZ$800k, deposit NZ$160k → LVR = 80% (borrow 80%, own 20%).
| Deposit < 5% | 6.09% |
| Deposit 5% – 9% | 6.09% |
| Deposit 10% – 14% | 6.09% |
| Deposit 15% – 19% | 6.09% |
| Deposit 20% – 24% | 5.29% |
| Deposit ≥ 25% | 5.29% |
Higher deposit = lower LVR = better rate
About Fixed 3 Year
TSB's 3-year fixed rate offers meaningful rate certainty for borrowers planning to stay put. It's a practical choice for families or investors who want stability over a three-year window from a trusted community-oriented lender.
TSB's pricing on longer terms is competitive, and the bank's growing national presence means you're no longer limited to Taranaki to enjoy their service. The 3-year term provides genuine insulation from rate movements at a moderate premium over shorter fixes.