• Base Rate Loan

    A base rate loan is an adaptable finance option which can be tailored to meet long or short term financial needs. The loan is linked to our Bank Base Rate so the interest rate that you pay will change as the base rate changes.

  • Features and benefits

    • Interest rate reduced by 1% as part of the Funding for Lending Scheme*
    • Borrow from £1,000
    • 1-25 year terms available
    • Interest rate varies with Bank of England bank rate
    • Capital repayment holidays may be available
    • Security may be required
    • An arrangement fee will apply, up to 1.5% and dependent on the amount you borrow**

    Any property given as security which may include your home, may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it.
    All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business.
    You should not apply for an amount that you can not comfortably afford to repay now and in the future to avoid the possibility of legal action.

    *TSB is a market participant of the Bank of England’s Sterling Monetary framework (SMF) and as such is eligible to apply for usage of the Bank’s operations in the sterling money markets, which includes the Funding for Lending Scheme (FLS).

    **An arrangement fee will apply and is related to the amount you choose to borrow. These terms will be discussed with you before you take out the loan. To cover our administration costs for smaller facilities, there will be a minimum scale charge of between £100 and £250 resulting in the overall charge being more than 1.5%

    There is always a possibility that interest rates may go down leaving a fixed rate loan at a higher level compared to a variable rate loan. However, if interest rates rise, a fixed rate loan will remain at the same rate



Do your banking wherever you are with secure online banking services.

Download our app



Bank online 24/7 using our Internet Banking website.

Internet Banking



Phone us at any time day or night - call 0345 835 3858.

Call us now



Find your nearest branch or cash machine using our Branch Locator tool.

Find branches