Want to switch mortgage deal, borrow more, or move home?
Switching your mortgage deal is easy, and you can do it online in as little as 10 minutes.
Mortgage repayment calculator
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Can you switch your mortgage online?
You can't switch online if:
- You want to make changes to your mortgage, including: changing your mortgage term, repayment type, or taking out additional borrowing
- You need advice on which mortgage is right for you
- You have a non-UK correspondence address
- You're letting your property
- You're in financial difficulty or need more tailored support
Switch to a new deal online
If you know the rate you want, switching your mortgage online is quick and easy.
There's no legal or valuation fees
No credit checks or documents needed
Secure a new rate 3 months before your existing one ends
Switch to a new deal online
We're here to help make switching your mortgage as simple as possible.
If you want recommendations on the best mortgage for your needs, ask to speak with one of our advisers
Choose to talk on a video call, over the phone or face to face
Or call us on 0800 056 1088 - Monday to Friday 8am to 8pm and 9am to 2pm on Saturday
More mortgage help
Manage your mortgage
Need to manage or make changes to your mortgage? We have a full range of FAQs to help.
Do it in the app
It's easy to manage your mortgage in the app. Simply tap 'Mortgage' then 'Manage'.
Money worries
If you're feeling worried about money, you're not alone. We're here to help.
You may pay an Early Repayment Charge if you choose your new deal to start before your current deal ends.
An Early Repayment Charge, or ERC, is a fee that you could pay if you choose to switch deals or pay off your mortgage before the end of your current term.
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 over the phone or by video 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+.
We’ve signed up to The Standards of Lending Practice: lendingstandardsboard.org.uk.
