Taylor Swift has quite the playground for Tom Hiddleston when they're hanging in NYC ... if he's into pools and chandeliers -- and who isn't?
We broke the story ... Taylor's been renting a townhouse in the West Village -- for $40k per month -- while her nearby apartment gets renovated, and now we have photos inside the killer pad.
It's pretty spectacular city livin' -- high ceilings, giant windows, and that rare indoor pool we told you about ... which even has a chandelier over it.
In fact, almost every room has a chandelier ... we counted at least 8 to go with 5 bedrooms and 6 baths. Perfect for sleepovers with you know who.