Make a change to your mortgage

If you need to update your telephone number or email address:

In the app

Use the TSB Mobile Banking App

1. Log into the app
2. Tap the profile icon
3. Tap personal details
4. Tap your email address or phone number
5. Enter your new details and save

Show me how

Not using the app yet? Download it here:

For help with registering call 03458 353 844 or +44 (0)203 2841 577 from abroad. Open 8am – 8pm Monday to Saturday, 8am – 6pm Sundays, excluding bank holidays.

Internet Banking

Use Internet Banking

1. Log into your TSB account - you'll need your User ID, password, and memorable information
2. At the top right, select Change Details
3. Select Change Phone Number
4. Update your number, then select Continue
5. Enter your password, then confirm

Log in to Internet Banking

Over the phone

Alternatively, you can call our mortgage team on 0345 835 3380 or +44 (0) 1452 890 225, if you’re calling from abroad. We’re here Monday to Friday 8:30-7pm, except bank holidays.

Interest is calculated on all new mortgages using the balance outstanding each day (daily interest) and it's then added to the mortgage at the end of each month. This means that whenever your balance changes - for example when you make a payment, interest starts to be charged on the new balance straightaway.

If you already have a mortgage with us and are moving home or borrowing more with a Homeowner Loan, it may be that, currently, interest on your existing mortgage is calculated annually. If this is the case, we will change it to daily interest when your new mortgage or loan starts so that interest on your whole mortgage will then be calculated daily.

Even if you're not moving or borrowing more, if your interest is calculated annually, you can ask us to calculate it on a daily basis instead.

You can make changes to your mortgage by speaking to a Mortgage Expert.

For example, you can get help to:

• switch deal
• borrow more
• change repayment method (such as switch from interest only to repayment)
• move your mortgage to a new home
• reduce or increase your mortgage term
• add or remove someone from your mortgage
• get another mortgage
• get home or life insurance
• any other queries you may have

To chat to a Mortgage Expert:

• Use the chat via the TSB mobile banking app
• Request call back

If you want to set up, amend, or cancel your Direct Debit, the easiest way to do this is by using the app.

In the app

Use the TSB Mobile Banking App

1. Log in to the TSB Mobile Banking App
2. Tap on your mortgage
3. Find the option for ‘Manage’
4. Select ‘Manage Direct Debit’

Not using the app yet? Download it here:

For help with registering call 03458 353 844 or +44 (0)203 2841 577 from abroad. Open 8am – 8pm Monday to Saturday, 8am – 6pm Sundays, excluding bank holidays.

Online

You can also manage your Direct Debit online. You’ll need your mortgage account number, which can be found on your mortgage statement or other mortgage related letters.

Screen reader users are advised to use the app or call us.

Direct Debit Online Form

Docusign digital forms: We use Docusign for this kind of request. Docusign will pass the information you provide to us in a secure manner and won't process it in any other way. Information on how we use your data can be found in our Data Privacy Notice.

Over the phone

You can call our mortgage team on 0345 835 3380, or +44 (0) 1452 890 225 if you’re calling from abroad. We’re here Monday to Friday 8:30-7pm, except bank holidays.

In branch

You’ll need to bring some ID – ideally your TSB debit card and PIN. If you don’t have one, bring your passport or driving licence. Search for a branch.

You can change the day your mortgage payment is taken. You can pick a day that suits you in the app or over the phone.

In the app

Use the TSB Mobile Banking App

1. Log into the app
2. Tap the profile icon
3. Tap Chat to us
4. Type "Direct Debit Payment Date"

Not using the app yet? Download it here:

For help with registering call 03458 353 844 or +44 (0)203 2841 577 from abroad. Open 8am – 8pm Monday to Saturday, 8am – 6pm Sundays, excluding bank holidays.

Over the phone

Alternatively, you can call our mortgage team on 0345 835 3380 or +44 (0) 1452 890 225, if you’re calling from abroad. We’re here Monday to Friday 8:30-7pm, except bank holidays.

If you’re thinking about changing your payment method from repayment to interest-only, please call us on 0800 056 1088.

To do this, you’ll need to provide evidence of your repayment plan. Interest-only mortgages are only available when the amount of the loan is less than 75% of our latest valuation of the property.

Your repayment options

If you want to rent your home and have no plans to return, transferring to a buy-to-let mortgage may be the most suitable option.

If you don’t meet our buy-to-let criteria, or just plan to rent out your home temporarily, you’ll need to apply for consent-to-let.

If you already have a mortgage with us, then you may be able to apply for additional borrowing:

• If it's been at least six months since you took out your mortgage
• If your existing mortgage and further borrowing amount added together totals no more than 85% of the value of your home
• If the amount you'd like to borrow is more than £10,000
• For borrowing on an interest only basis if your existing mortgage and further borrowing totals no more than 75% of your home's value

You’ll need to talk to a Mortgage Expert to apply, you can either request a callback or phone us on 0800 056 1088. We’re here 8:30am-6pm Monday to Friday.

If you already have a mortgage with us you may be able to take your deal with you. This is often referred to as 'porting'.

If you took out your mortgage before 1st June 2010 and you're on the Standard Variable Mortgage Rate (SVR), or will move onto the 'SVR' when your current fixed mortgage term ends, you may be able to take your rate with you when you move home. To find out if you are eligible please check your last mortgage offer letter or speak to a TSB Mortgage Advisor.

If you are moving home and are currently on the Homeowner Variable Rate (HVR), or Buy-to-Let Variable Rate (BTV) (or will move onto this when your fixed term ends) you will not be able to take this rate with you to a new mortgage.

Whatever happens, your Mortgage Advisor will spend time getting to understand your needs and circumstances and will recommend the most suitable mortgage for you. When you're moving home you have enough to think about, so let us take care of your mortgage so you can concentrate on other important matters.

What if I need to borrow a different amount when I move?

If you need a bigger mortgage amount - You could apply to borrow extra on the basis of our other mortgage deals available at that time.

If you need a smaller mortgage amount - You may have to pay part of the early repayment charge based on the difference between the two mortgages.

What if you don't need to apply for additional mortgage lending when you move?

If you are moving home and don't need to apply for any more lending you can apply to take your current mortgage deal with you.

As with any application for a new mortgage we'll need to be satisfied with the new property, that you can afford the mortgage repayments and that our lending policy criteria will be met.

When your current deal ends, your interest rate will switch to the variable rate that is detailed in the terms of your mortgage

Your mortgage will move onto the Standard Variable Mortgage Rate if you applied for a mortgage before 1 June 2010.

If you applied for a mortgage on or after 1 June 2010, your interest rate will switch to the Homeowner Variable Rate, or if you are a buy-to-let mortgage holder, the Buy-to-Let Variable Rate.