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The Best TSB Mortgage Comparisons For You

TSB Mortgage reviews and questions answered

TSB has a long history, with its roots in savings banks from over 200 years ago.  Now a subsidiary of the global Banco Sabadell, TSB has 290 branches across the UK and is a well-known and trusted high street bank. TSB offers a wide range of mortgages, including options which beat the national average for interest rates. To see if TSB has the right mortgage for you, use Quotezones independent comparison tool to search through your options. Here you can compare TSB mortgages against other providers to find the best deal.


How long will it take TSB to approve my mortgage?

Compared to other mortgage lenders, TSB’s average approval time is quite fast, at an average of just 11 days.  

Be prepared to wait anywhere between 2 and 6 weeks though, as this is the more common time frame for mortgage approvals.


Are TSB mortgage reviews good?

On trust pilot, TSB mortgage reviews receive a rating of excellent from nearly half the reviewers.  Which? customers give TSB mortgages average reviews across all rating criteria, such as customer service and value for money.  

When financial sites compare TSB mortgages to other providers, they rate highly when it comes to competitive mortgage rates.


How much can I borrow from TSB?

TSB offers from 60% to 95% mortgages, meaning they will lend you up to 95% of the value or proposed purchase price of a property (whichever is cheaper). The higher percentage mortgages are useful for those who don’t have a large deposit saved.

If you earn under £40,000 a year, you will be allowed to borrow up to 4.49 times that figure.  If you earn more than this, your annual income will be multiplied by up to 4.75.

If you’re opting for a 90% or 95% mortgage, your annual income will be multiplied by 4.25 instead.

Compare TSB mortgages now so you can get a good picture of what’s on offer.


What credit agency does TSB use for your mortgage application?

TSB uses Experian to carry out your credit check.


How do you apply for a mortgage with TSB?

TSB offers free mortgage advice, from qualified advisors and you can book an appointment to be conducted in-branch, by phone or even by video call.  They can help you will all aspects of the application process.

You can make a mortgage application online, potentially receiving a mortgage promise within just 15 minutes.  With further checks and information, you’ll then receive an Agreement in Principle and then a full Mortgage Promise within 2 working days.


Who can get a mortgage with TSB? 

TSB welcomes new and existing customers, offering mortgages to first time buyers, house movers, people interested in buying a second property (including buy-to-lets), and they also offer remortgaging services.

TSB check your eligibility based on your age, your income and outgoings, the value of the property you want to buy, and your credit history.


Does TSB offer the new Green Mortgages?

Yes! Becoming increasingly common across the major lenders, Green mortgages offer financial benefits to those who choose to buy an energy efficient property or they can offer additional borrowing to enable customers to improve the green credentials of their new home.

If you’re ready to find your perfect mortgage, compare TSB mortgages now.