There are two ways to repay the money you have borrowed - on an interest-only or a repayment basis. Share some details about you and your mortgage to see our rates; Start building the right mortgage deal based on you and your needs; Apply for your new mortgage deal or get in touch with us for advice The Mortgage Rate Table shows what non-refundable product fee (if any) is payable. Registered Office: Henry Duncan House, 120 George Street, Edinburgh, EH2 4LH. For amounts above 10%, the charge is either 1 or 2%. TSB Variable rate … Mortgage payments stay the same during the 5 year fixed-rate period so they're easier to manage. 2.54% fixed until 31 August 2026. See fees details based on your property value. Registered in Scotland No. Initial rate. So we don't charge admin fees if you move your mortgage to us. Remortgaging. ... Use the table below to view current and historic mortage rate information and view information on the wide range of lenders we can arrange your mortgage with. This can include information passed on by banks and other financial service companies, as well as publicly available information such as the electoral roll. That should help you save a bit. Qualifying mortgages receive … Lines are open Monday to Friday 8am to 8pm and 9am to 2pm on Saturday. endowment policy, investments, ISAs), If you're self-employed, three years' self-assessments, If your mortgage is to extend past your stated or state retirement age, up-to-date forecasts for any state, company and personal pensions, And, if you've already got your heart set on a property, bring along the sales particulars, Details of any loans you currently hold, including student loans and car payments. Or you can call us and speak to an advisor directly, or book an appointment to see one of our advisors at your nearest branch. TSB first time buyer mortgages are designed to give you a leg up on the property ladder. Yes, TSB offer buy-to-let mortgages. At the end of the mortgage term - usually 25 years - you'll still owe the capital, which is the amount you initially borrowed, so you'll need to have a plan in place to pay this off at the end of the term. If your mortgage term continues past your state or planned retirement age, only your retirement income will be considered. Things we'll take into account include: Once we've accepted your full application we'll take the following steps to set up your mortgage: We’re open anytime and anywhere. The five year fixed rate mortgage you're free to leave after three. The products offer a free valuation as well as the choice of £300 cashback or free legals. Looking to the buy-to-let range, the lender has reduced rates by up to 0.20% on 2-year fixed purchase and remortgage offerings up to 60% LTV. You can then pay the fee off if you want to, or leave it on your mortgage to spread the cost. If you pay the fee off within 30 days of the start of your mortgage, no interest will be charged on it. TSB has also cut rates by up to 0.10% on 5-year fixed residential remortgage deals up to 60% LTV, with £1,495 fee rates. Take care of your day-to-day banking when you need to. The value of the property - limits apply to the maximum we will lend depending on the type of mortgage and property. Mojo's expert advisers can help you work out your early repayment charges ahead of a full remortgage. Your income - you'll need to confirm this by showing us payslips, bank statements and/or HM Revenue and Customs documents. Your first monthly payment will be higher as it includes interest from the date the funds are released as well as the monthly repayment. Lending is subject to status and lending criteria, UK resident and 18+. This will be followed by a further: 192 monthly repayments of £782.79 a month at the Homeowner Variable Rate, currently 3.59% for the remainder of the term. Registration No. A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.39% and then reverting to 3.59% variable for remaining term. They include a remortgage for 60-75 per cent LTV with a £1,495 fee. With a repayment mortgage, each monthly repayment pays off part of the capital as well as the interest, so your mortgage will be repaid in full at the end, as long as you keep up the repayments. We want to help more people get the right mortgage. Call us on 0800 056 1088. And for you it means quick and easy applications you can track in real time on TSB Mortgage Pro. Fees. Follow our step-by-step tutorial to get back online from the safety of your home. In return for paying a higher fee or no fee and a higher rate. How much you can borrow depends on what we think is a sensible amount to lend you and what we agree you can afford. ... Remortgaging to us. This is detailed on the mortgage rate table above. Ulster offer existing customers the same rates as new customers . You can choose from fixed-rate mortgages or tracker mortgages. Unless your mortgage deal states otherwise, you will need to pay a property valuation fee when you apply. Your existing mortgage provider may charge you a fee to switch to another provider so please check with them. Borrow up to 75% of the property's value (65% for new build) Borrow from £25,005 up to £1 million. Variable rate mortgages: TSB 2 year fixed remortgage. For loans between £25,000 and £1,000,000. For example, a 5 year fix for up to 60% LTV, the TSB’s remortgage rate is now 1.74%. SC95237. Your last three months' bank statements if you want any other income to be considered (for example rental or investments) and as a reminder of your outgoings, If you already have an existing mortgage elsewhere, your last year's mortgage statements, If you're applying for an interest-only mortgage, any repayment vehicle details that you want to use (e.g. Whether your client is a first time landlord or looking to expand their property portfolio, TSB has both fixed and variable rate mortgages available. Learn more today! You can choose from fixed-rate mortgages or tracker mortgages. 60 monthly repayments of £663.76 at 1.39% fixed until 31 August 2026. TSB Mortgage Winner of What Mortgage Best Fixed Rate Mortgage Award 2020. Our TSB Remortgage deals offer you the opportunity to find a better mortgage rate even if you are not moving home or switching lender. Get an indication of how much your mortgage repayments will be. TSB Bank plc. Mortgage payments stay the same during the 2 year fixed-rate period so they're easier to manage. Select option 2, option 2, option 3 followed by option 2. The mortgages you can access when getting a TSB remortgage are: Fixed-rate mortgages: With these mortgages, the rates are fixed for a period of 2, 3 or 5 years and provides you certainty over your mortgage for that time frame. The qualifying period (11 January 2016 until 31 December 2021) may be extended as permanent tsb decides. Lending is subject to … Rate of the day is what we consider the best value mortgage rate for a loan with a loan-to-value ratio below 80%, that is available to new and existing borrowers, and is not limited by the size of the loan. The lender has also reduced the rates on its 3, 5 and 10 year ranges too, by up to 0.15%. Use our free mortgage service to compare rates from the UK's leading lenders. Please visit our tariff of mortgage charges page for a full breakdown. 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