Thinking about moving house? Our award winning mortgages and dedicated support make the process smooth and simple.
Review our mortgage rates
When changing your mortgage, rates play a big part in making a decision. To keep things simple, you'll find all our available rates in our mortgage rates PDF.
What you need to apply
How to apply
Get a mortgage in principle in minutes
Apply in as little as 10 minutes.
A qualified Mortgage Adviser will then give you a call to go through the details. Subject to status and lending criteria.
How to apply
Want to talk to a Mortgage Expert to discuss your needs?
Call 0800 056 1088 - Lines are open Monday to Friday 8am to 8pm and 9am to 2pm on Saturday.
Or request a call back.
Other things you might be interested in
The TSB Mobile Banking App
Once you've got your mortgage, you can view and manage it in the app. Plus, talk to our Mortgage Experts in the app too.
Home insurance
Now could be a good time to check that your home insurance covers everything it needs to.
Environmental impact
Trying to make your house greener isn't just good for the planet, it can help save money on your household bills as well.
My TSB Rewards
Discover great savings on treats like takeaways, holidays, and cinema tickets plus essentials like MOTs.
Moving home FAQs
Planning ahead towards your goals can help to show lenders that you're prepared, which could make it easier to get a mortgage. This includes building up your savings, reviewing your level of borrowing, and making sure your credit record is as good as possible.
| Build up your savings | Mortgage lenders typically require a deposit that's at least 5% of the property price. The bigger a deposit you can put down, the better the mortgage deal you can get, often with lower interest rates. |
| Review your debt | Most lenders work out how much you can borrow based on your income, as well as your outgoings. It's worth reviewing any existing credit agreements before applying for a mortgage. Use our mortgage calculator to get an idea of how much you could borrow. |
| Improve your credit rating | Your credit rating could affect what mortgages are available to you. If your rating isn't great, you can take steps to improve it. Here's how you can do this:
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| What can you afford? | If you’re wondering how much you can borrow, use our mortgage calculator. You'll need to enter a few details about your income and outgoings and it'll help to give an idea of what your monthly mortgage repayments would be. If you want your mortgage to continue past your planned retirement age, or the age of 70, you may only be able to use your retirement income towards the affordability. |
| Can I apply for a joint mortgage? | Yes, you can apply for a joint mortgage. This application can be done with your partner, friends, or family. |
| Extra costs when buying a home | Moving home can be expensive and there are costs that we often forget but can have a real impact on your decisions. You'll want to try and budget for a deposit and all the different fees that may occur when taking out a mortgage. |
| Deposit | You'll need a deposit, usually a minimum of 5% of the property price. Generally the bigger the deposit you have, the better the mortgage deal you can get, often with a lower interest rate. So, the sooner you can start saving the better. A good way to do this is by opening a separate savings account and setting up a monthly payment. |
| Mortgage Product fees | Most lenders offer mortgage products with and without a fee. Paying a fee may give you access to a lower interest rate. |
| Mortgage valuation | Some lenders charge a fee for having the property you're buying valued. At TSB, we don't charge fees for valuing your property. |
| Legal searches and fees | You'll need a solicitor or licensed conveyancer to take care of the legal details. Start getting quotes early so you know how much to budget for. |
| Stamp duty | This is a tax on buying property. Stamp duty is different depending on where the property is and whether you’ve owned a property before. You can calculate how much you might pay using the links below: England and Northern Ireland: Stamp Duty Land |
| Removal costs | You may want to budget for hiring a van and move things yourself. Or, for a removals firm that will cost more but could make moving home easier. |
| Estate agent's fees | If you're also selling a house and decide to use an estate agent, they'll charge commission on the price your house sells for. |
| Buildings insurance | You'll also need to budget for buildings cover, which needs to be in place before you exchange contracts. |
| Fixed rate mortgage | With a fixed-rate mortgage, your interest rate stays the same for a set period. It's common to see fixed rates for 2, 3 or 5 years, or even longer. Fixed-rate mortgages can help you budget as your interest rate stays the same for the term length. Early repayment charges almost always apply if you choose to change your product before the fixed-rate period ends. Fixed-rate mortgages often have higher early repayment charges, so if you choose to switch your interest rate before your current deal ends, you may incur an Early Repayment Charge. |
| Tracker rate mortgage | Tracker rate mortgages 'track' an interest rate that is not set by the lender, such as the Bank of England base rate. If that rate goes up or down, so does the interest rate on your mortgage. This means your monthly mortgage payments will be lower if the interest rates drop but you'll pay more if they go up. Early repayment charges sometimes apply if you switch before the tracker deal period ends, but quite often tracker products have no fees to exit early. |
