TSB Mortgage Rates Existing Customers

TSB mortgage rates for existing customers are currently offered in 2, 5, and 10-year terms. See what mortgage rate may work best for you as a current customer of TSB!

TSB Mortgage Rates Existing Customers

Check back weekly or favourite this page to keep an eye on the ever-changing rates. The table below is updated as of July 16, 2024 and rates are subject to change.

TSB mortgage rates for existing customers – 2-year term

COMPANY TYPE TERM INITIAL RATE THE OVERALL COST FOR COMPARISON IS PRODUCT FEE LOAN TO VALUE (LTV)
TSB Existing Customers Product Transfer Residential Fixed Rate 2 years 4.89% 8.2 APRC £995.00 60%
TSB Existing Customers Product Transfer Residential Fixed Rate 2 years 5.19% 8.2 APRC £0.00 60%
TSB Existing Customers Product Transfer Residential Tracker Rate 2 years 5.64% 8.4 APRC £995.00 60%
TSB Existing Customers Product Transfer Residential Fixed Rate 2 years 4.99% 8.2 APRC £995.00 60% to 75%
TSB Existing Customers Product Transfer Residential Fixed Rate 2 years 5.29% 8.2 APRC £0.00 60% to 75%
TSB Existing Customers Product Transfer Residential Tracker Rate 2 years 5.69% 8.4 APRC £995.00 60% to 75%
TSB Existing Customers Product Transfer Residential Fixed Rate 2 years 5.54% 8.4 APRC £995.00 75% to 80%
TSB Existing Customers Product Transfer Residential Fixed Rate 2 years 5.84% 8.3 APRC £0.00 75% to 80%
TSB Existing Customers Product Transfer Residential Tracker Rate 2 years 5.94% 8.5 APRC £995.00 75% to 80%
TSB Existing Customers Product Transfer Residential Fixed Rate 2 years 5.74% 8.4 APRC £995.00 80% to 85%
TSB Existing Customers Product Transfer Residential Fixed Rate 2 years 6.04% 8.4 APRC £0.00 80% to 85%
TSB Existing Customers Product Transfer Residential Tracker Rate 2 years 5.94% 8.5 APRC £995.00 80% to 85%
TSB Existing Customers Product Transfer Residential Fixed Rate 2 years 5.94% 8.5 APRC £995.00 85% to 90%
TSB Existing Customers Product Transfer Residential Fixed Rate 2 years 6.24% 8.4 APRC £0.00 85% to 90%
TSB Existing Customers Product Transfer Residential Tracker Rate 2 years 6.19% 8.5 APRC £995.00 85% to 90%
TSB Existing Customers Product Transfer Residential Fixed Rate 2 years 6.24% 8.4 APRC £0.00 90% to 120%
TSB Existing Customers Additional Borrowing Residential Fixed Rate 2 years 5.19% 8.2 APRC £0.00 60%
TSB Existing Customers Additional Borrowing Residential Tracker Rate 2 years 6.04% 8.4 APRC £0.00 60%
TSB Existing Customers Additional Borrowing Residential Fixed Rate 2 years 5.29% 8.2 APRC £0.00 60% to 75%
TSB Existing Customers Additional Borrowing Residential Tracker Rate 2 years 6.09% 8.4 APRC £0.00 60% to 75%
TSB Existing Customers Additional Borrowing Residential Fixed Rate 2 years 5.84% 8.3 APRC £0.00 75% to 80%
TSB Existing Customers Additional Borrowing Residential Tracker Rate 2 years 6.34% 8.5 APRC £0.00 75% to 85%
TSB Existing Customers Additional Borrowing Residential Fixed Rate 2 years 6.04% 8.4 APRC £0.00 80% to 85%
TSB Existing Customers Product Transfer Buy-to-Let Fixed Rate 2 years 5.09% 8.9 APRC £995.00 60%
TSB Existing Customers Product Transfer Buy-to-Let Fixed Rate 2 years 5.49% 8.9 APRC £0.00 60%
TSB Existing Customers Product Transfer Buy-to-Let Tracker Rate 2 years 5.74% 9.1 APRC £995.00 60%
TSB Existing Customers Product Transfer Buy-to-Let Fixed Rate 2 years 5.19% 9.0 APRC £995.00 60% to 75%
TSB Existing Customers Product Transfer Buy-to-Let Fixed Rate 2 years 5.59% 9.0 APRC £0.00 60% to 75%
TSB Existing Customers Product Transfer Buy-to-Let Tracker Rate 2 years 5.89% 9.1 APRC £995.00 60% to 75%
TSB Existing Customers Product Transfer Buy-to-Let Fixed Rate 2 years 5.89% 9.1 APRC £995.00 75% to 80%
TSB Existing Customers Product Transfer Buy-to-Let Fixed Rate 2 years 6.29% 9.1 APRC £0.00 75% to 80%
TSB Existing Customers Product Transfer Buy-to-Let Fixed Rate 2 years 6.34% 9.1 APRC £0.00 80% to 120%
TSB Existing Customers Additional Borrowing Buy-to-Let Fixed Rate 2 years 5.49% 8.9 APRC £0.00 60%
TSB Existing Customers Additional Borrowing Buy-to-Let Tracker Rate 2 years 6.14% 9.1 APRC £0.00 60%
TSB Existing Customers Additional Borrowing Buy-to-Let Fixed Rate 2 years 5.59% 9.0 APRC £0.00 60% to 75%
TSB Existing Customers Additional Borrowing Buy-to-Let Tracker Rate 2 years 6.29% 9.1 APRC £0.00 60% to 75%

 

TSB mortgage rates for existing customers – 5-year term

COMPANY TYPE TERM INITIAL RATE THE OVERALL COST FOR COMPARISON IS PRODUCT FEE LOAN TO VALUE (LTV)
TSB Existing Customers Product Transfer Residential Fixed Rate 5 years 4.59% 7.0 APRC £995.00 60%
TSB Existing Customers Product Transfer Residential Fixed Rate 5 years 4.74% 6.9 APRC £0.00 60%
TSB Existing Customers Product Transfer Residential Fixed Rate 5 years 4.79% 7.1 APRC £995.00 60% to 75%
TSB Existing Customers Product Transfer Residential Fixed Rate 5 years 4.94% 7.0 APRC £0.00 60% to 75%
TSB Existing Customers Product Transfer Residential Fixed Rate 5 years 4.99% 7.2 APRC £995.00 75% to 80%
TSB Existing Customers Product Transfer Residential Fixed Rate 5 years 5.14% 7.1 APRC £0.00 75% to 80%
TSB Existing Customers Product Transfer Residential Fixed Rate 5 years 5.19% 7.3 APRC £995.00 80% to 85%
TSB Existing Customers Product Transfer Residential Fixed Rate 5 years 5.34% 7.2 APRC £0.00 80% to 85%
TSB Existing Customers Product Transfer Residential Fixed Rate 5 years 5.34% 7.4 APRC £995.00 85% to 90%
TSB Existing Customers Product Transfer Residential Fixed Rate 5 years 5.49% 7.3 APRC £0.00 85% to 90%
TSB Existing Customers Product Transfer Residential Fixed Rate 5 years 5.79% 7.5 APRC £0.00 90% to 120%
TSB Existing Customers Additional Borrowing Residential Fixed Rate 5 years 4.74% 6.9 APRC £0.00 60%
TSB Existing Customers Additional Borrowing Residential Fixed Rate 5 years 4.94% 7.0 APRC £0.00 60% to 75%
TSB Existing Customers Additional Borrowing Residential Fixed Rate 5 years 5.14% 7.1 APRC £0.00 75% to 80%
TSB Existing Customers Additional Borrowing Residential Fixed Rate 5 years 5.34% 7.2 APRC £0.00 80% to 85%
TSB Existing Customers Product Transfer Buy-to-Let Fixed Rate 5 years 4.84% 7.5 APRC £995.00 60%
TSB Existing Customers Product Transfer Buy-to-Let Fixed Rate 5 years 5.04% 7.5 APRC £0.00 60%
TSB Existing Customers Product Transfer Buy-to-Let Fixed Rate 5 years 4.84% 7.5 APRC £995.00 60% to 75%
TSB Existing Customers Product Transfer Buy-to-Let Fixed Rate 5 years 5.04% 7.5 APRC £0.00 60% to 75%
TSB Existing Customers Product Transfer Buy-to-Let Fixed Rate 5 years 5.34% 7.8 APRC £995.00 75% to 80%
TSB Existing Customers Product Transfer Buy-to-Let Fixed Rate 5 years 5.54% 7.8 APRC £0.00 75% to 80%
TSB Existing Customers Product Transfer Buy-to-Let Fixed Rate 5 years 5.59% 7.8 APRC £0.00 80% to 120%
TSB Existing Customers Additional Borrowing Buy-to-Let Fixed Rate 5 years 5.04% 7.5 APRC £0.00 60%
TSB Existing Customers Additional Borrowing Buy-to-Let Fixed Rate 5 years 5.04% 7.5 APRC £0.00 60% to 75%

 

TSB mortgage rates for existing customers – 10-year term

There are currently no lenders offering these products at the moment.

 

TSB Mortgage Rates Existing Customers FAQs

Do existing TSB mortgage customers get better mortgage rates?

Existing TSB customers can sometimes benefit from better mortgage rates, however this depends on individual situations and the products that you currently have and the product that you are thinking of getting. Most lenders are willing to offer a competitive product transfer, especially with what is going on in the current mortgage market.

if your current mortgage deal is ending in the next six months, it is worth speaking with TSB to see if they offer a competitive product transfer, this is beneficial for both parties but not all lenders make it worth your while to stay with them beyond your fixed term. If TSB doesn’t offer a good rate, you can do the leg work yourself and get multiple quotes from other lenders or you can speak to a mortgage broker who will be able to consider your criteria against numerous lenders at once and is likely to find you a better mortgage rate.

If you are looking to remortgage before your current TSB mortgage deal ends you need to consider whether you will be liable for early repayment charges and whether this is worth paying against what you may save by switching early. For those that fixed a rate at a time when rates were very high, it may be well worth early switching even when considering the early repayment charges, so be sure to do the math ahead of time

Can you negotiate interest rate on existing mortgages with TSB?

Locking in a fixed mortgage rate up to six months before your current term expires can be a strategic move to negotiate the interest rate on your existing mortgage. If you are facing repayment challenges or had previously fixed your rate when rates were high, it's recommended to reach out to your current mortgage lender, including TSB bank, for assistance.

When your current mortgage deal is set to end within the next six months, it's advisable to contact TSB to explore the possibility of obtaining a competitive product transfer. While product transfers can benefit both parties, some lenders may not offer attractive rates beyond the fixed term. If TSB does not provide favorable terms, you have the option to obtain multiple quotes from other lenders or seek the services of a mortgage broker who can assess your specific criteria and work with multiple lenders at once, including TSB bank. Many brokers do not charge fees until a mortgage is confirmed, making it worthwhile to consider this option.

Before remortgaging prior to the expiration of your current deal, it's important to evaluate whether you may be subject to early repayment charges and weigh this against the potential savings from switching early. Even if you initially fixed a rate when rates were high, early switching could still be financially beneficial, taking into account any early repayment charges. It's recommended to carefully assess costs and benefits, and consult with your current mortgage provider, including TSB bank, for any assistance they may offer.

Securing a fixed mortgage rate in advance, exploring product transfer options, and considering early switching can potentially result in more favorable mortgage rates for existing customers. Contacting your current mortgage lender, including TSB bank, and utilizing the services of a mortgage broker can provide valuable guidance and assistance in securing a better mortgage deal.

Do existing TSB mortgage customers get the same deal as new customers?

It is possible for TSB customers to potentially access better mortgage rates, but this ultimately depends on your circumstances, the products do have, and the products you may want to get. Most lenders, and this includes TSB, are currently open to offering a competitive product transfer.

If your current mortgage deal with TSB is due to expire within the next six months, it may be worth speaking to TSB to determine if they offer a competitive product transfer. While such a transfer can be mutually beneficial, not all lenders provide incentives beyond your fixed term. In case TSB is not offering favourable terms, you can do your research and obtain multiple quotes from other UK lenders. You can also work with a mortgage broker broker who can consider your requirements and work with various banks and other lenders simultaneously. Most mortgage brokers will not charge you until they secure a deal, so this is worth exploring.

Before your current terms with TSB expire, you should read your terms and conditions if you will be liable for early repayment charges and if this is worth paying to switch early and potentially save money in the long run. For those who secured a fixed rate when rates were high, switching early may still make sense even after factoring in the early repayment charges. Be sure to speak with TSB to see what sort of deal they can work on with you.