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TSB

Compare from a range of TSB mortgages using our table below. TSB, the newly independent bank, which spun off from the Lloyds Banking Group in 2014, offers fixed and tracker mortgages for first time buyers, property investors, as well as home movers.

Compare mortgages

Reason for mortgage
£
£
years
How would you like to repay?
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Tracker 28/02/2019
Initial rate
1.19%then 3.74% (variable)
Fees
£1,480fees
Overall cost
3.3%APRC
Monthly cost
£616.86 for 24 months then £805.06 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/02/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,481 includes: Loan amount (£160,000); Interest (£77,001); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 28/02/2019
Initial rate
1.19%then 3.74% (variable)
Fees
£1,480fees
Overall cost
3.3%APRC
Monthly cost
£616.86 for 24 months then £805.06 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/02/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,481 includes: Loan amount (£160,000); Interest (£77,001); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 28/02/2019
Initial rate
1.19%then 3.74% (variable)
Fees
£1,480fees
Overall cost
3.3%APRC
Monthly cost
£616.86 for 24 months then £805.06 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/02/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,481 includes: Loan amount (£160,000); Interest (£77,001); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 28/02/2019
Initial rate
1.24%then 3.74% (variable)
Fees
£1,480fees
Overall cost
3.4%APRC
Monthly cost
£620.54 for 24 months then £805.42 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Available for existing customers only
  • Up to 75.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/02/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,669 includes: Loan amount (£160,000); Interest (£77,189); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 28/02/2019
Initial rate
1.24%then 3.74% (variable)
Fees
£1,480fees
Overall cost
3.4%APRC
Monthly cost
£620.54 for 24 months then £805.42 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Up to 75.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/02/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,669 includes: Loan amount (£160,000); Interest (£77,189); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 28/02/2019
Initial rate
1.24%then 3.74% (variable)
Fees
£1,480fees
Overall cost
3.4%APRC
Monthly cost
£620.54 for 24 months then £805.42 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Up to 75.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/02/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,669 includes: Loan amount (£160,000); Interest (£77,189); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 28/02/2019
Initial rate
1.29%then 3.74% (variable)
Fees
£1,480fees
Overall cost
3.4%APRC
Monthly cost
£624.23 for 24 months then £805.78 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Available for existing customers only
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/02/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,858 includes: Loan amount (£160,000); Interest (£77,378); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 28/02/2019
Initial rate
1.29%then 3.74% (variable)
Fees
£1,480fees
Overall cost
3.4%APRC
Monthly cost
£624.23 for 24 months then £805.78 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/02/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,858 includes: Loan amount (£160,000); Interest (£77,378); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 28/02/2019
Initial rate
1.29%then 3.74% (variable)
Fees
£1,480fees
Overall cost
3.4%APRC
Monthly cost
£624.23 for 24 months then £805.78 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/02/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,858 includes: Loan amount (£160,000); Interest (£77,378); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 28/02/2019
Initial rate
1.34%then 3.74% (variable)
Fees
£1,480fees
Overall cost
3.4%APRC
Monthly cost
£627.94 for 24 months then £806.14 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Available for existing customers only
  • Up to 75.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/02/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,046 includes: Loan amount (£160,000); Interest (£77,566); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About TSB

Following a European Commission ruling that the government's stake in Lloyds Banking Group after the 2007 recession counted as 'state aid', Lloyds Banking Group was required to sell a proportion of its business. 

This allowed TSB to be created as a stand-alone bank in 2014, and has since been seen as a challenger bank to the so-called Big Four UK banks (Royal Bank of Scotland Group, Lloyds Banking Group, HSBC, and Barclays).

Since mid-2014 when it started operating as an independent bank, TSB was able to establish a network of over 600 branches across the UK, taking over many of the old Lloyds TSB bank branches in England and Wales, as well as all of the branches of Cheltenham & Gloucester (a subsidiary of the Lloyds Banking Group) and the business of Lloyds TSB Scotland. 

When the launch of TSB as a stand-alone bank was first announced, the bank said that its aim would be to act as a "high street bank" rather than a "Wall Street bank", and has since attracted new customers through a series of offers on savings products and current accounts.

As a result, TSB bank provides a wide range of regulated retail banking services, such as current accounts, insurance, savings and credit products, as well as mortgages. On a branch network basis, TSB is the seventh largest bank in the UK and has around 5 million customers.

TSB offers all of its customers 24/7 online, mobile and telephone banking and offers a seven day switch guarantee, meaning customers banking elsewhere can have all of their money as well as outgoing and incoming payments, including Direct Debits, moved for them by TSB within seven working days.

TSB Mortgages

Suited to the ever-changing and varied needs of mortgage customers, TSB mortgages include several fixed rate and tracker options (marketed by TSB as Fix and Flex rate mortgages), which could allow you to help plan your monthly repayments over the course of the next ten years.

TSB's mortgage range includes products for customers trying to buy their first home, with the bank's aim to help more people get onto the property ladder. Customers wishing to move home are also targeted with some of the mortgage deals on offer.

In addition, for homeowners looking to remortgage, many might be able to get a suitable deal with TSB. Meanwhile, those looking to invest in the property market will be able to locate some buy-to-let options through TSB's mortgage product range.

On top of this, all TSB mortgages come with at least one type of flexibility option, which could give you the opportunity to make mortgage underpayments or overpayments, depending on your circumstances, or even the flexibility to take your mortgage with you if you move home.

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this mortgage comparison service

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