• Moving home

    Moving home is an exciting time and we want to ensure the mortgage aspect is as straightforward as possible so you can focus on the good bits. We have a wide range of mortgages, so whatever stage you're at we could help you find a TSB mortgage to suit you.

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

    Buying your first home? Find out about our deals for first time buyers.

    Help with moving home

    You've made the decision to move but there are still lots of things to think about - from searching for your new home to working out how much you can afford to spend and what sort of mortgage will suit you best. We've put together a simple guide to help you.

    Read our home movers guide

  • Buildings insurance

    Don't forget buildings cover before you exchange contracts.

    If your home has five bedrooms or less, our new Pick and Protect home insurance covers unlimited repair or rebuild costs.

    Our Buildings Cover has been given a 5 Star Rating by Defaqto (that's the best rating you can get).

    Brought to you by TSB Bank plc and underwritten by Aviva Insurance Ltd. T&C's apply.

    home-buildings-insurance-defaqto

    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
  • Mortgage calculator

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

    Mortgage calculator

  • Mortgage deals for home movers

  • 2 year fixed rate

    Your payments will stay the same each month for the agreed period with a 2 year fixed rate.

    • No higher lending charge
    • Mortgages available from 5% deposit

    View details and start application

  • 5 year fixed rate

    Your payments will stay the same each month for the agreed period with a 5 year fixed rate.

    • No higher lending charge
    • Mortgages available from 5% deposit

    View details and start application

  • 10 year fixed rate

    After your first payment, your regular payments will stay the same each month for the agreed period with a 10 year fixed rate.
    • Mortgages available from 25% deposit

    View details and start application

  • 2 year tracker

    Our tracker mortgage rates move in line with the Bank of England base rate, so your monthly payments could go up or down depending on how the bank base rate moves.

    • No higher lending charge
    • Available for first time buyers with 15% or more deposit

    View details and start application

  • 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

    View details and start application

  • Mortgage types explained

  • What is a fixed rate mortgage?

    Our fixed rate mortgages are great if you need to know exactly where you stand. Because your interest rate stays the same for an agreed period, so do your monthly repayments.

    Find out more about fixed rate mortgages

  • What is a tracker rate mortgage?

    Tracker rates move up and down with the Bank of England Base Rate (BBR), so your monthly repayments could go up or down depending on how the BBR moves.

    Find out more about tracker mortgages

  • Did you know:

    • Only your retirement income will be considered if you want your mortgage to go past your planned or state retirement age
    • You can apply for a mortgage on your own for a joint mortgage with a partner or friends
    • You will usually need at least a 5% deposit, although you will need a 20% deposit if you're buying a new build property - that means one that was first occupied less than 6 months ago
  • As of 1st September 2016, our mortgage variable rates have been reduced by 0.25%.

    In line with the Bank of England's decision to cut the base rate from 0.5% to 0.25%, we have reduced our variable mortgage rate by 0.25%. As of 1st September, our Standard Variable Rate is 2.25% and our Homeowner Variable Rate is 3.74%.

  • 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 advisor directly, or book an appointment to see one of our advisors 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
  • YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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