• Mortgages help and support

    Help with arranging and managing a TSB mortgage.

  • Since the 1980s there have been periods of property prices rising, falling and rising again. To an extent, it's all relative. The value of your home goes up and down, but so does the price of the next property you want to buy. It can become a problem though if the value of your home falls to a point where it's worth less than your mortgage - when it wouldn't cover the mortgage if you sold it. This is called negative equity. But even this isn't necessarily a problem - only if you want to sell.

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

    This will be explained to you in your mortgage interview.

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

    There's the actual rate you pay. This might be a fixed rate or a variable rate, such as a tracker. Then there'll be the rate you switch to after the fixed rate or tracker ends - usually the lender's standard variable mortgage rate - although you should be able to switch to another deal at that time if you want to. And then there's the 'APR'. This stands for Annual Percentage Rate and is intended to show the true overall cost of a loan. It includes the actual rate you pay plus any other costs such as any fees and charges the lender makes to set up the mortgage.

    Understand more about choosing your mortgage. Clicking on any of the above links will open another window.

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

    We will want to know about your occupation, income and financial history to establish how much we can lend. We'll make some enquiries of your employer, accountant, landlord etc. We'll also carry out a valuation on the property to make sure it's worth enough for the size of mortgage you want. See our mortgage considerations.

    Provided the enquiries and valuation come back okay, you'll be sent a mortgage offer. If you're moving house or remortgaging your conveyancer will also be sent a mortgage deed, this will need signing. Once the conveyancer has sorted all the legal work, they'll arrange for the signed copy to come back to us and arrange the date for the mortgage money to be sent to them to complete the house purchase.

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

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    • Move money between all your TSB personal accounts instantly
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