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Switch your TSB mortgage deal online

Find a new mortgage deal online. View our rates, calculate your monthly payments, and switch in just 10 minutes. 

Our mortgage rates

See all of our residential and buy-to-let mortgage rates in one place.

Mortgage repayment calculator

Understand how changes to your interest rate could affect your monthly payments.

Want to borrow more?

If you're looking for additional borrowing on your mortgage, then talk to our Mortgage Experts to see your options.

Review our mortgage rates

When changing mortgage, rates play a big part in making a decision.

To keep things simple, you'll find all our available rates in our mortgage rates PDFs. Once you know the rate you want, you can switch online in just minutes. 


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 can switch online if:

  • You don t need to make any changes to your mortgage or borrow additional money and;
  • Your TSB mortgage deal is ending in the next 3 months 
  • Or your mortgage is on a variable rate

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

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Want to stay on your variable rate?

If you don't switch to a new deal, your current rate will revert to a variable rate mortgage.

Switch to a new deal online

If you know what you want, switching your mortgage product online is quick and easy.

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There are no legal or valuation fees

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No credit checks or documents needed

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Secure a new rate 3 months before your existing one ends

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Watch our guide on how to switch online

Switch to a new deal online

Want to talk about your mortgage?

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If you can't switch online, request a callback and we'll be in touch to help you move mortgage deals

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Ask to speak with an adviser for recommendations on the best mortgage for your needs

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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


Mortgages are available to UK residents over 18. Your home may be repossessed if you don't keep up with your mortgage payments.


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.


  

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Moving home?

If you're still within your current fixed term, you could take your mortgage with you.

Find out more

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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.

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My TSB Rewards

Discover great savings on treats like takeaways, holidays, and cinema tickets plus essentials like MOTs.

Check it out


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.

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What is the Mortgage Charter? The Mortgage Charter has been set up by the UK’s largest lenders, the FCA, and the UK government to give mortgage customers more help and support with their mortgage repayments. All lenders that are a part of this charter have agreed on a set of standards to take when helping borrowers who are worried about higher interest rates on their mortgages. Find out more.

FAQs 

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+.