Our award-winning Fix and Flex.

Ten year fixed rate mortgages you're free to leave after five.

We design our mortgages based on what our customers say matters the most. 

Like the stability of fixed monthly payments over the longer term, but without being tied in for too long.

That's why we launched Fix and Flex, ten year fixed mortgages you can leave after five years with no Early Repayment Charges.

An award-winning mortgage

Our Fix and Flex mortgages
have won the 2015 Moneyfacts Award for Innovation in Personal Finance.


How to apply

If you are a first time buyer, home mover or looking to remortgage, you can apply for a mortgage promise

Apply at a branch

Find out what to take along

Call us

8am-8pm Monday to Friday 

9am-4pm Saturday

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A wide range

Whether you're buying your first home with just a 5% deposit, moving up the property ladder or remortgaging, Fix and Flex could help you borrow well:

  • Fixed monthly payments for the whole ten years, so you know exactly how much to budget for.
  • The reassurance that you can leave after five years with no Early Repayment Charges.
  • Enjoy the usual flexibility you'll find in a TSB mortgage, like the possibility of making over and under payments, take repayment holidays (interest will still be charged) and take your mortgage with you if you move.*
  • If you have a qualifying TSB current account and remortgage to us from another lender you'll receive £150 cashback as a thank you.**
Minumum loan size £5,000, maximum loan size up to £1,000,000 dependent on your Loan to Value (LTV). Excludes Buy to Let, Shared Equity and Shared Ownership Mortgages. Lending is subject to status and lending criteria. Borrowers must be 18 years or over and a UK resident.
*Subject to your borrowing behaviour.
**Current account must be credited with at least £500 a month. Cashback is paid to  your conveyancer on completion.

First time buyers

There's nothing like buying your first home. For people from all walks of life, it's a dream we've been helping to make real.

View details and start application

Home movers

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.

View details and start application


It makes sense to review your mortgage from time to time, to make sure you're getting the best deal for you.

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
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