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Compare TSB Mortgage Rates. TSB is a commercial and retail bank which offers mortgages for homeowners, first time buyers and buy to let landlords.

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Mortgage type
Initial rate term
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.54% Mar-2021
Maximum LTV 60%
Overall cost of comparison 4% APRC
See deal
No Valuation & Legal Fees
FREE legal & valuation fees!
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.67% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2022 From Virgin Money
Initial rate 1.78% Mar-2022
Maximum LTV 65%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.82% Mar-2021
Maximum LTV 80%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.84% Jan-2021
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2024 From NatWest
Initial rate 1.94% Mar-2024
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.95% Jan-2021
Maximum LTV 85%
Overall cost of comparison 4.3% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.98% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2024 From Virgin Money
Initial rate 2.01% Mar-2024
Maximum LTV 65%
Overall cost of comparison 3.8% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Mortgage Quotes & Advice

Our independent mortgage service provides:

  • FREE initial mortgage consultation
  • Access to exclusive mortgage deals not available on the high street
  • A dedicated mortgage adviser and case handler to deal with your mortgage from enquiry to completion

"Our mortgage team is committed to providing you with an excellent mortgage service". Adam Arnott, Head of Mortgages & Protection.

Mortgage details

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Initial rate period:
Overall cost for comparison:
Maximum loan to value:
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Tue: 8am - 8pm
Wed: 8am - 8pm
Thu: 8am - 8pm
Fri: 8am - 8pm
Sat: 9am - 4pm
Sun: Closed
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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

Please make sure you meet the following criteria:

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We are 100% independent. Find the best mortgage rates from UK lenders...

Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

Compare TSB mortgages

Before selecting a mortgage deal, you need to be sure you know which type of mortgage offers the best fit for your personal borrowing needs and circumstances. There are many different options you can choose from.

First Time Buyer mortgages

You can get a mortgage with a deposit of as little as 5% from TSB if you are planning on purchasing your first home. You can choose from a variety of fixed rate and tracker mortgages to allow you to plan your repayments in a way that suits you.

Buy to Let mortgages

If you are over 25, you may be able to apply for a buy to let mortgage with TSB so you can buy a property to rent out. To qualify you must already have an existing mortgage elsewhere and must be employed, or self-employed with at least 3 years of self-assessments. The amount you can borrow will depend on the property’s market value and its monthly rental income.

Remortgaging with TSB

You can borrow up to 90% of your home’s value when you transfer your mortgage to TSB. This could allow you to reduce your monthly payments by letting you get a better interest rate than your current mortgage.

Remortgaging could also allow you to increase or decrease your borrowing depending on your changing needs to you can repay your mortgage faster or unlock more funds for home improvements or other purposes.

Second charge mortgages

Instead of remortgaging, it may make more sense to take out a separate secured loan. This is most often applicable if you already have a good deal on your mortgage that you do not want to give up. This kind of secondary secured loan is commonly known as a second charge mortgage.

Loan to value ratio

Any mortgage product will usually come with a maximum limit on what you can borrow, defined as a percentage of the market value of the property you wish to borrow against. This percentage figure is known as a loan to value (LTV) ratio and defines the proportional relationship between the size of the loan and the value of the property.

So, as an example, a mortgage product offering LTV up to 75% would allow you to borrow up to £75,000 on a property worth £100,000. In general, you will tend to be offered better interest rates on mortgage deals with a lower LTV, although the exact rate you will get depends on various other factors.

Find the best deals on mortgage rates

To get the best deal on your mortgage rate you need to be prepared to compare as many different mortgage products as possible. Doing this manually can be time consuming and tedious which is why we offer a free mortgage calculator to make this easier.

To try it out, simply head to the top of this page and plug in some basic information about your borrowing requirements. The calculator will then show you matching deals from all the leading lenders so you can choose the one that is best for you.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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mortages.direct is a trading style of Fair Investment Company.

We've been comparing and recommending mortgage deals for many years so you can trust you're in good hands.