• 10 year Fix and Flex mortgages if you’re moving (remortgaging) from another lender

    We now offer Fix and Flex mortgages, so you can fix your rate for ten years with the freedom to leave after just five. This could help you manage your repayments in the long-run, without the long-term tie-in.


    • No product fee on some deals
    • Repay up to 10% of the balance each year, for the first 5 years, without a charge. Then make unlimited repayments for the following 5 years without an early repayment charge.
    • View your mortgage account online with our mobile app and Internet Banking

  • 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

    Already know the deal you want?

    Call us on 0800 056 1088

    Select option 2, option 2, option 3 followed by option 2.

    Lines are open Monday to Friday 8am to 8pm and 9am to 2pm on Saturday.

    Need a little help to decide?

    Apply in branch

    Find out what to take along

    Need to discuss your options?

    We can call you

  • Mortgage calculator

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

    Mortgage calculator

  • Compare our Fix and Flex deals for remortgaging customers 

    Mortgage deals often change - this table is updated with our latest ones, but these may not be available by the time you apply. Our Mortgage Advisors will discuss the best deals available to you when you apply.

  • Initial rate This reverts to The overall cost for comparison is Product fee Other information
    For loans of up to 60% of the purchase price or valuation of the property, whichever is lower.
    2.44% fixed until 30 November 2030 Homeowner Variable Rate, currently 3.59% 2.8% APRC £0 £150 cashback paid directly to your conveyancer on completion if you've got a TSB current account and have £500 or more a month paid in to it.
    For loans between £25,000 and £1,000,000.
    No product fee
    For loans of between 60% and 75% of the purchase price or valuation of the property, whichever is lower.
    2.59% fixed until 30 November 2030 Homeowner Variable Rate, currently 3.59% 2.9% APRC £0 £150 cashback paid directly to your conveyancer on completion if you've got a TSB current account and have £500 or more a month paid in to it.
    For loans between £5,000 and £1,000,000.
    No product fee
    For loans of between 75% and 85% of the purchase price or valuation of the property, whichever is lower.
    2.84% fixed until 30 November 2030 Homeowner Variable Rate, currently 3.59% 3.1% APRC £0 £150 cashback paid directly to your conveyancer on completion if you've got a TSB current account and have £500 or more a month paid in to it.
    Repayment basis only.
    For loans between £5,000 and £1,000,000.
    No product fee
  • Representative example:

    For a repayment mortgage of £139,043 over a 22 year term, you will make:

    • 120 monthly repayments of £681.15 at 2.44% fixed until 30 November 2030 This will be followed by a further:
    • 144 monthly repayments of £727.01 a month at the Homeowner Variable Rate, currently 3.59% for the remainder of the term.

    The total amount payable would be £186,427.44, made up of the loan amount (£139,043) plus interest (£47,384.44).

    The overall cost for comparison is 2.8% APRC Representative.

    Your first monthly payment will be higher as it includes interest from the date the funds are released as well as the monthly repayment.

  • Fees and charges

    • As a current concession during the early repayment charge period you can repay up to 10% of the balance each year without the charge applying
  • There are a number of one-off fees that may apply when you arrange a mortgage with us. Your TSB Mortgage Advisor will explain which apply to your mortgage.

    Product feeOptions shown in Mortgage Rates table

    Some of our mortgage deals have a product fee, others don't. In return for paying a higher fee or no fee and a higher rate. The Mortgage Rate Table shows what non-refundable product fee (if any) is payable.

    Where a product fee applies, it will be added to your new mortgage. You can then pay the fee off if you want to, or leave it on your mortgage to spread the cost. If you pay the fee off within 30 days of the start of your mortgage, no interest will be charged on it. Or if you want to spread the cost, you can leave it on your mortgage and interest will be charged on it as part of your mortgage - this will affect your monthly payments.

    If you're borrowing more or your mortgage is split across different deals, the interest on the product fee will be charged at the interest rate of your main loan account.

    Valuation feeDepends on your property value

    Unless your mortgage deal states otherwise, you will need to pay a property valuation fee when you apply.

    See fees details based on your property value

    If you repay your mortgage (or more than 10% in any year) during the first 5 years of the fixed rate period, an early repayment charge will apply. As a current concession you can repay up to 10% of the balance (as at 1 January) each year for the first 5 years and the charge will not apply (unless you go on to repay or change the rest of the loan within the next six months). We may change or withdraw this concession on giving three months notice.

    For amounts above 10%, the charge will be a percentage of the amount repaid and varies depending on how long you have left on your fixed rate, as shown in the tables below.

    After the first 5 years you will be able to make unlimited repayments on your mortgage without incurring an early repayment charge.

    Repayment periodCharge (% of amount repaid or changed)
    Before 01/12/2021 5%
    01/12/2021 – 30/11/20224%
    01/12/2022 – 30/11/20233%
    01/12/2023 – 30/11/20242%
    01/12/2024 – 30/11/20251%

    Whether you can have a mortgage and the amount you can borrow will come down to what we think is a sensible amount to lend you and what we agree you can afford. To help us make a decision, we'll take a number of things into account.

    Your income - you'll need to confirm this by showing us payslips, bank statements and/or HM Revenue and Customs documents.

    Your outgoings - it's also important to think about your other financial commitments, and consider what effect future interest rate rises could have on your finances. This is to help guard against your mortgage becoming unmanageable. We will not agree a mortgage if there is any indication that you cannot afford it or keep up the payments.

    Your age - you must be at least 18 years old to apply. Only your retirement income will be considered if you want your mortgage to go past your planned or state retirement age.

    Records of previous loans or credit - we'll ask for your consent to search the information held about you and your financial arrangements held by credit reference agencies. This can include information passed on by banks and other financial service companies, as well as publicly available information such as the electoral roll. We'll use a credit reference agency and fraud prevention agencies to help assess your application.

    The value of the property - limits apply to the maximum we will lend depending on the type of mortgage and property. This is detailed on the mortgage rate table above.

    There are two ways to repay the money you have borrowed - on an interest-only or a repayment basis.

    With an interest-only mortgage, you'll only pay the interest on your loan amount each month. At the end of the mortgage term - usually 25 years - you'll still owe the capital, which is the amount you initially borrowed, so you'll need to have a plan in place to pay this off at the end of the term.

    With a repayment mortgage, each monthly repayment pays off part of the capital as well as the interest, so your mortgage will be repaid in full at the end, as long as you keep up the repayments.

    The monthly payments for a repayment mortgage are higher than for an interest-only mortgage, but this doesn't mean that interest-only is a cheaper option or that it'll help you afford a bigger mortgage. You'll also need to have a way of paying back the capital, so this needs to be taken into account when you work out what you can afford.

    You can repay your mortgage over a term that suits you - from 1 to 40 years - although we only usually consider a mortgage term that ends before you reach 75. If your loan carries an early repayment charge, you won't be able to choose a term that finishes before the early repayment charge period.

    Within six months of your mortgage starting:

    • you can't apply to borrow more
    • you can't change the term over which your mortgage is due to run
    • if you decide to let your property, you must end the mortgage you've taken out, paying any early repayment charge that applies, and switch to one of our buy-to-let mortgages.
  • Guiding you to the right move

  • Learning the lingo

    Buying or selling a property can sometimes trap you in a blizzard of jargon. To get you off to a flying start, we've created a handy glossary of home moving terms to help get you from Advance to Vendor, hopefully avoiding Gazumping.

    See our handy mortgage jargon buster

  • Simple guide to buying your home

    There's a lot to think about when you buy a home - not just sorting out your mortgage. So we've put together a simple guide to the key steps and important things to consider.

    Read our simple home buying guide


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