• Current mortgage deal ending?

    Understand your options

    Whether your current deal is ending or you are already on one of our variable rates, we can give you the information you need to make the right decision to get the most out of your mortgage.

    Please be aware that we require signed documentation to be returned and processed by the 23rd of each month. Any new applications from the 20th onwards will have their documents sent from the 1st of the following month.

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

    For more information on the deal that suits you best have a look at our available products:

    2 year fixed rates
    5 year fixed rates

  • Switching your product couldn't be simpler...

    • No legal fees
    • No valuation fees
    • No product fees

    If you have less than 3 months remaining on your existing deal, you may be able to transfer to a new deal with TSB without paying any early repayment charges.

    If your current deal would revert to our Standard Variable Mortgage Rate or you are already on our Standard Variable Mortgage Rate, and you decide to switch to a new mortgage deal, this rate will not be available at the end of your new deal. Instead for interest rate will automatically change to the Homeowner Variable Rate or Buy to Let Variable Rate.

    If your existing mortgage is already on interest only we’ll need details of any repayment plan(s) in place being used to repay the mortgage at the end of the term.

    How to Apply

    You can apply Online, by phone or come into your local Branch.
    If you already know what product you want, you can apply online or over the phone without receiving advice, we call this ‘execution only’. If you chose to apply via execution only you will be responsible for your choice of mortgage product.

    If you’re unsure what option is best for you or would just like to discuss your options one of our Mortgage Advisors, you can arrange an appointment over the phone or at a local branch. Our Mortgage Advisors will fully review your individual needs and circumstances and recommend a product that is right for you.

    If you need support from a Mortgage Advisor...If you know what you want...
    Apply by phone or at your local branchApply Online or by phone
    • If you’re not sure which product is right for you, one of our Mortgage Advisors will advise you of the most suitable product for you.
    • If your mortgage deal is ending within 3 month or you are already on one of our variable rates.
    • If you want to make other changes to your mortgage as well as switching your product:
      - Change of mortgage term
      - Change of repayment type (e.g. interest only to capital and interest)
    • If you want to take any additional borrowing

    Call us on 0800 056 1088
    8am-8pm Monday to Friday 9am-4pm Saturday

    Ask us to call you

    Request a callback

    Or make an appointment with your lcoal branch

    Book appointment

    • If you know which product you want and don’t require advice from one of our Mortgage Advisors.
    • If your mortgage deal is ending within 3 month or you are already on one of our variable rates.
    • You don’t need to make any additional changes to your mortgage.
    • You’re not looking for any additional borrowing

    Start your application online

    Get a mortgage promise

    Or

    Call us on 0800 056 1088
    8am-8pm Monday to Friday 9am-4pm Saturday

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

    Features & Benefits

    • No early repayment charges

    What happens with this option?

    • Your rate will automatically move onto the variable rate.
    • As it's a variable rate, your monthly payments could go up and down.

    Applied after 1 June 2010?

    • You will move onto the Homeowner Variable Rate.
    • It is currently 3.99%.

    Applied before 1 June 2010?

    • You will move onto the Standard Variable Mortgage Rate.
    • It is guaranteed to be no more than 2% above the Bank of England base rate.
    • If you decide to switch onto a new deal at a later date, it will not be possible for you to return to the Standard Variable Mortgage Rate in the future.

    Next steps

    There's no need to do anything if you want to stay on this rate. We'll write to you and confirm the Variable Mortgage Rate that applies.

  • Ask us a question

  • How to apply

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

    Start your product transfer online

    Subject to status and lending criteria

    Ask us to call you
  • YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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