TSB is a UK based bank and part of the Sabadell Group. Originally founded as the Trustee Savings Bank back in 1810, TSB was launched in its present form in 2013. When it comes to mortgages, TSB has a lot to offer. Winning Best Direct Lender 2021 and Best Fixed Rate Mortgage Lender 2020 and 2021 at the What Mortgage Awards, TSB offer an exceptional mortgage service.


How much can I borrow with a TSB mortgage?

The amount you’re eligible to borrow with TSB is really all down to you. Eligibility depends on a whole range of factors, such as your income and outgoings, your credit history and the home that you’re looking to buy. This is because TSB will need to fully assess how much you can afford to borrow and repay before they offer you a mortgage.

What size deposit will I need with TSB?

TSB has a maximum loan-to-value (LTV) ratio of 95%, meaning you could potentially only put down a 5% deposit. This can be a great option if you’re looking to get onto the property ladder but are struggling to save up enough to get to a 10% deposit. However, it is also worth keeping in mind that the larger the deposit you put down, the higher your chances of being approved for a mortgage and you could also be offered a better rate.

Do TSB offer any mortgage deals for first-time buyers?

TSB offer two-year, five-year and ten-year fixed rate mortgage options for first time buyers, as well as a ten-year fix and flex mortgage. For fixed rate mortgage deals, after the first payment, your payments will remain fixed for the duration of your fixed mortgage offer. For the ten-year fix and flex option, your rate will remain fixed for ten years but you’re free to leave after five.

Our lenders and partners

You know, we don’t work with just anyone. We only work with trusted UK lenders and credit card providers that will help you find your best borrowing option.