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 for your application to become effective by the 1st of the following month we require any signed documentation to be returned by the 23rd of the month. Any new applications started in the last 7 days of the month will not become effective until the 1st of the month after.

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:

How to apply

Start your product transfer online

Subject to status and lending criteria

Need a little help to decide?

Apply in branch

Find out what to take along

Already know the deal you want?

Call us on 0800 056 1088

Select option 4, option 1 followed by option 1 again.

Lines are open Monday to Friday 8am to 8pm and 9am to 2pm on Saturday.

Need to discuss your options?

We can call you

Option 1 - Transfer to a new mortgage with us

Switching your product couldn't be simpler...

  • No legal fees
  • No valuation 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, your 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 know what you want... If you need support from a Mortgage Advisor...
Apply Online or by phone Apply by phone or at your local branch
  • 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 have a UK correspondence address
  • If you or your family are living in the property
  • If none of your loans have less than 2 years left on their term
  • If you are not in financial difficulty or you are not a vulnerable customer
  • You don’t need to make any additional changes to your mortgage
  • You’re not looking for any additional borrowing
  • Please do not switch if you have already completed an online switch application and you have changed your mind. (If you do apply again online, this application will not take effect)

Call us on 0800 056 1088

Select option 4, option 1 followed by option 1 again.

  • 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
  • If you're letting your property
  • If any of your loans have less than 2 years left on their term
  • If you have already completed an online switch application and you have changed your mind. (If you do apply again online, this application will not take effect).
  • If you are in financial difficulty or you are a vulnerable customer
  • You have a non-UK correspondence address

Start your application now

Start your product transfer online

Subject to status and lending criteria

Already know the deal you want?

Call us on 0800 056 1088

Select option 4, option 1 followed by option 1 again.

Lines are open Monday to Friday 8am to 8pm and 9am to 2pm on Saturday.

Need a little help to decide?

Apply in branch

Find out what to take along
 

Need to discuss your options?

We can call you

Option 2 - Stay on the variable rate

Features and benefits

  • No early repayment charges
  • Make unlimited overpayments

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?

Applied after 1 June 2010?

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.

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

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