Find a new mortgage deal online. View our rates, calculate your monthly payments, and switch in just 10 minutes.
Mortgage repayment calculator
On this page
A guide to switching deals
This step-by-step tutorial walks you through the whole process of switching your mortgage deal online with TSB.
Can you switch your mortgage online?
You'll need to call us to switch if:
You want to make changes to your mortgage, including:
- Changing the length of your mortgage term
- Changing the repayment type - such as moving from interest only to capital and interest
- Taking out additional borrowing
You need advice on which mortgage is right for you
You're temporarily letting your residential property
If your mortgage, or any sub accounts, have less than 2 years left on their term
You're in financial difficulty or need more tailored support
You have a non-UK correspondence address
Switch to a new deal online
If you know what you want, switching your mortgage product online is quick and easy.
There are no legal or valuation fees
No credit checks or documents needed
Secure a new rate 3 months before your existing one ends
Watch our guide on how to switch online
Switch to a new deal online
Want to talk about your mortgage?
If you can't switch online, request a callback and we'll be in touch to help you move mortgage deals
Ask to speak with an adviser for recommendations on the best mortgage for your needs
Choose to talk face-to-face, over the phone, or on a video call
Or call us on 0800 056 1088 - Monday to Friday 8:30am to 6pm
Manage your mortgage in the app
It's full of tools to help manage your mortgage, from chatting to our Mortgage Experts, making repayments, or simply viewing your balance.
Moving home?
If you're still within your current fixed term, you could take your mortgage with you.
Snugg
A simple affordable way to make your home energy efficient. View your free personalised plan, check grants, find trusted installers and work out the best way to pay.
My TSB Rewards
Discover great savings on treats like takeaways, holidays, and cinema tickets plus essentials like MOTs.
More mortgage help
Manage your mortgage
Need to manage or make changes to your mortgage? We have a full range of FAQs to help.
Switch your deal in the app
You can use our app to switch your mortgage deal - just open chat and ask to switch your deal.
Money worries
If you're feeling worried about money, you're not alone. We're here to help.
An Early Repayment Charge, or ERC, is a fee that you pay to switch deals or pay off your mortgage before the end of your current term. TSB mortgage customers can pre-book to switch to a new TSB mortgage deal up to 3 months prior to their existing rate ending without incurring any ERCs. You may pay an Early Repayment Charge if you choose your new product to start before your current product ends.
Switching mortgages is when you move from one mortgage deal to another, normally because your current interest rate is ending.
With no documents required and no legal or valuation fees, you can switch your TSB mortgage online in as little as 10 minutes. You can switch online, in branch or by video/telephone appointment with a mortgage adviser..
Your rate switch application can be cancelled up to 14 calendar days before the end of the month prior to the new product taking effect. By cancelling an application, when the product rate ends, the mortgage account will revert to your current product's reversionary rate.
If you have 3 months or less remaining on your existing fixed rate product you can prebook a rate for when your current deal expires without paying any early repayment charges.
If you leave your current mortgage deal earlier to switch to a new rate, you may have to pay an early repayment charge.
If you select a date one month after you current product ends you may move onto your current product’s follow-on variable rate for one month.
If you have a variable or tracker rate without any early repayment charges you can apply to switch to a new rate at any time.
| Existing fixed rate ends | Earliest date you can apply | Take effect immediately after existing rate ends |
|---|---|---|
| 31st January | 1st November | 1st February |
| 28th/29th February | 1st December | 1st March |
| 31st March | 1st January | 1st April |
| 30th April | 1st February | 1st May |
| 31st May | 1st March | 1st June |
| 30th June | 1st April | 1st July |
| 31st July | 1st May | 1st August |
| 31st August | 1st June | 1st September |
| 30th September | 1st July | 1st October |
| 31st October | 1st August | 1st November |
| 30th November | 1st September | 1st December |
| 31st December | 1st October | 1st January |
You’ll need to have the following information to hand to log in to your rate switch online:
Forename and Surname – Please enter your forename and surname as registered on your mortgage account.
Account number – Please enter your full mortgage account number. This is 14 digits beginning with either 20, 30, 40, 50, 77 or 87. You can find this in any letter from us.
Date of birth – Please enter your date of birth as dd/mm/yyyy including the forward slashes.
Postcode – Please enter the postcode for the mortgaged property. This maybe different to your correspondence postcode.
With an interest-only mortgage, you only pay off the interest that builds up each month.
Important information
Lending is subject to status and lending criteria, UK resident and 18+.
