• Remortgage with TSB

    It makes sense to review your mortgage from time to time, to make sure you’re getting the best deal for you.

  • Benefits of moving your mortgage to TSB include:

    • free standard legal work when borrowing up to £999,999
    • no valuation fee for mortgages up to £1 million
    • fixed-priced legal services for the most common extra legal work needed on a non-standard remortgage.  Find out what legal work is covered
    • apply to borrow up to 80% of your home's value, including any additional borrowing you may take at the same time
    • TSB current account customers who pay in at least £500 a month qualify for £150 paid as cashback on completion

    Your existing mortgage provider may charge you a fee to switch to another provider so please check with them.

  • Colleague with tabletSome banks charge you to move your mortgage. We don't.

    We want to help more people get the right mortgage. So we don't charge admin fees if you move your mortgage to us. That should help you save a bit.

    Subject to status and lending criteria, UK resident and 18+

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS OF YOUR MORTGAGE.

  • How remortgaging with TSB could save you money

    If you have a standard variable rate mortgage, or a mortgage deal that is about to revert onto a standard variable rate, you may be able to make valuable savings by remortgaging to TSB

    Find out more

  • How to apply

    If you are a first time buyer, home mover or looking to remortgage, you can apply for a mortgage promise

    Subject to status and lending criteria

    Call us 8am-8pm Monday to Friday
    9am-2pm Saturday

    Ask us to call you
  • Remortgaging guide

    A guide to remortgaging, including why you may want to remortgage, the costs involved and the types of mortgages available.

    Remortgaging guide

  • Mortgage calculator

    Get an indication of how much your mortgage repayments will be.

    Mortgage calculator

  • Remortgage products available

  • 2 year fixed rate

    Mortgage payments stay the same during the 2 year fixed-rate period so they're easier to manage.

    • Free standard legal work on a remortgage when borrowing up to £999,999
    • Available if you're moving your mortgage (remortgaging) from another lender.
    • No product fee on some deals
    • £150 cashback paid on completion of your mortgage if you've got a TSB current account and have £500 or more a month paid into it.
    • Repay up to 10% of the balance each year without a charge

     

    View details and start application

  • 5 year fixed rate

    Mortgage payments stay the same during the 5 year fixed-rate period so they're easier to manage.

    • Free standard legal work on a remortgage when borrowing up to £999,999.
    • Available if you're moving your mortgage (remortgaging) from another lender.
    • No product fee on some deals
    • £150 cashback paid on completion of your mortgage if you've got a TSB current account and have £500 or more a month paid into it.
    • Repay up to 10% of the balance each year without a charge

     

    View details and start application

  • 10 year fixed rate

    Mortgage payments stay the same during the 10 year fixed-rate period so they're easier to manage.

    • Free standard legal work on a remortgage when borrowing up to £999,999.
    • Available if you're moving your mortgage (remortgaging) from another lender.
    • No product fee on some deals
    • £150 cashback paid on completion of your mortgage if you've got a TSB current account and have £500 or more a month paid into it.
    • Repay up to 10% of the balance each year without a charge

     

    View details and start application

  • 2 year tracker rate

    The 2 year tracker you’re free to leave at any time. This rate tracks a percentage above the Bank of England Base Rate (BBR), so your monthly repayments will go up or down depending on how the BBR moves.

    • Free standard legal work on a remortgage when borrowing up to £999,999
    • Available if you're moving your mortgage (remortgaging) from another lender.
    • No product fee on some deals
    • £150 cashback paid on completion of your mortgage if you've got a TSB current account and have £500 or more a month paid into it.
    • Repay any amount each year with no Early Repayment Charge

     

    View details and start application

  • 5 year Fix and flex

    The five year fixed rate mortgage you're free to leave after three.

    Could help you manage your repayments in the long-run, without the long-term tie-in. Mortgages available from 5% deposit.

    • Mortgages available from 10% deposit

    View details and start application

  • 10 year Fix and flex

    The ten year fixed rate mortgage you're free to leave after five.

    Could help you manage your repayments in the long-run, without the long-term tie-in. Mortgages available from 5% deposit.

    • Mortgages available from 10% deposit

    View details and start application

  • Before you apply

  • Did you know:

    • You must be at least 18 years old to apply. Your mortgage term must end before you reach 75. If your mortgage term continues past your state or planned retirement age, only your retirement income will be considered.
    • You can apply for a mortgage on your own or a joint mortgage with a partner or friends
    • Lending limits are subject to the availability of suitable products at any given time and the ability to undertake either an Automated or Desktop Valuation whilst it is not possible for valuers to gain access to properties

     

  • Questions? Ask for a call back

  • How to apply

    We need to talk you through your mortgage application, but you can save time by starting the process online. It'll take about 20 minutes, and then one of our mortgage experts will call you back at a time to suit you to complete the process. Or you can call us and speak to an adviser directly, or book an appointment to see one of our advisers at your nearest branch.

    You'll need to have the following details to hand:

    • Your last three months' payslips
    • Your last three months' bank statements if you want any other income to be considered (for example rental or investments) and as a reminder of your outgoings
    • If you already have an existing mortgage elsewhere, your last year's mortgage statements
    • Your address for the last three years
    • Details of any loans you currently hold, including student loans and car payments

     

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