Get Expert Support for TSB Mortgages
Specialist Support for TSB Mortgages
TSB offers a range of residential and buy-to-let mortgages, designed for borrowers with both standard and non-standard income. Known for competitive rates and a flexible approach to affordability, TSB is suitable for self-employed individuals, contractors, and first-time buyers alike. At Mortgage‑Tek, we help you navigate TSB’s products and guide you through every step of the application, ensuring the best deal for your circumstances.
We work with more than 120 mortgage lenders, including
Why
Why TSB Mortgage Is a Great Option
Why TSB Mortgage Could Be the Right Fit for You
 TSB is an excellent choice if your income or circumstances don’t fit traditional lending criteria. They offer flexible underwriting and manual assessment, which is particularly useful for self-employed individuals, contractors, and those with complex income.
TSB mortgages include competitive rates across fixed, tracker, and buy-to-let products. As a broker-only access lender for some products, working with Mortgage‑Tek ensures your application is optimally structured, submitted correctly, and guided to completion.
Criteria of TSB Mortgage
Who Can Apply for a TSB Mortgage?
Broker Requirement
Applications can be made directly for some products, but accessing TSB’s full range of competitive deals is best via an authorised broker like Mortgage‑Tek.
Age Criteria
Minimum age 18. Maximum age at mortgage term end is usually 75 for repayment mortgages.
Residency Status
UK residency with a verifiable address history is required.
Minimum Income
For residential mortgages, no fixed minimum, but applicants must pass affordability checks. Buy-to-let applicants must demonstrate sufficient rental income to meet TSB’s Interest Coverage Ratio.
Self-Employment History
Typically requires 12–24 months of trading history, with supporting documents such as SA302s, tax returns, or accounts.
Contractor Criteria
Evidence of current contracts, day-rate income, or ongoing work history is required. Some short-term or zero-hour contracts may be considered if supported by proof of income.
Credit Profile
A clean credit history is preferred. TSB may consider minor adverse credit depending on circumstances.
Property Standards
Properties must meet TSB’s valuation and construction standards.
Affordability Checks
Must pass affordability assessments, including stress tests, ensuring the ability to repay even if rates rise.
Buy-to-Let Requirements
Rental income must satisfy TSB’s Interest Coverage Ratio (ICR), generally 125%–145% of mortgage interest, depending on the product.
Benefits of Securing TSB Mortgage
Why Choose a Mortgage from TSB?
Flexible Lending Criteria
Ideal for self-employed, contractors, and applicants with non-standard income.
Manual Underwriting
Experienced underwriters assess your case, improving approval chances for complex situations.
Competitive Interest Rates
Access a variety of fixed-rate, tracker, and standard variable rate products.
Buy-to-Let Friendly
Suitable for individual and limited company landlords, including first-time investors.
Support for Product Transfers
Existing customers can switch to new products without remortgaging.
Security
Part of a well-established UK bank, offering long-term reliability and financial stability.
Partnering with TSB Mortgage
Our Role in Securing Your TSB Mortgage
Mortgage‑Tek works with TSB to help you access the right mortgage efficiently. We understand TSB’s lending criteria and underwriting processes, and we manage the full application journey, from comparing deals and preparing documents to liaising directly with TSB. This saves time, reduces errors, and increases your chances of securing the most suitable mortgage.
Compare & Find the Right Mortgage For You
Compare TSB Mortgage with Other UK Mortgage Options
Mortgage Comparison
See how TSB compares to other lenders regarding rates, flexible criteria, and product features.
Mortgage Quote
Get a personalised TSB quote via Mortgage‑Tek. We assess your circumstances and show the best options available.
BORROW
Curious About How Much You Can Borrow?
Use our calculator to estimate potential borrowing with TSB based on your income and expenses. Ideal for first-time buyers, remortgaging, or property investors. No credit checks, just instant results.
Your Estimated Borrowing Amount
Let’s Connect
Looking to speak with an expert about TSB Mortgages?
We’ll guide you through TSB’s lending criteria and help secure a mortgage that matches your unique circumstances.
Fast, clear, and personalised advice to get you closer to your property goals.
FAQ’s
Can I apply directly with TSB?
Yes, some products allow direct applications. However, to access the full range of competitive deals, it’s best to apply through an authorised broker like Mortgage‑Tek.
Does TSB accept self-employed or contractor applicants?
Yes. TSB considers self-employed individuals, contractors, and freelancers with at least 12 months’ income history. Supporting documentation such as SA302s, accounts, or contracts is required.
What is the minimum deposit required for a TSB mortgage?
Residential mortgages generally require 5%–10% deposit. Buy-to-let mortgages usually require 20%–25%, depending on property type and your profile.
Can limited company landlords apply for TSB buy-to-let mortgages?
Yes. Limited company landlords can apply, providing accounts, director details, and rental projections as part of the application.
How long does it take to get a mortgage offer from TSB?
Once the application is fully documented, TSB typically issues an offer within 10–20 working days, depending on valuation and case complexity.
What credit score do I need to qualify with TSB?
TSB prefers a good credit history. Minor adverse credit may be considered, but serious issues such as recent CCJs, defaults, or bankruptcy could affect eligibility.
Does TSB offer offset or flexible mortgage products?
Yes. TSB offers flexible mortgages, including offset and repayment holiday options, which can help manage cash flow or reduce interest payments.
Can I remortgage my current property with TSB?
Yes. TSB accepts remortgage applications from existing homeowners. Mortgage‑Tek can compare deals and guide you to the most suitable product while managing the paperwork.