Updated for July 2025
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TSB Mortgage Rates 2026 — Compare Fixed, Tracker & Remortgage Deals
Looking at TSB mortgage rates this year? We’ll show you today’s pricing, fees and the true cost vs no-fee options, then compare TSB against 100+ UK lenders so you don’t miss a better deal. Soft search, no impact on your credit score.
Latest TSB Mortgage Rates — Updated Monthly
| Product Type | Rate | Initial Period | LTV | Fee |
| 2 Year Fixed (Purchase) | 4.24% | 2 Years | 75% | £995 |
| 5 Year Fixed (Remortgage) | 4.14% | 5 Years | 75% | £995 |
| Tracker Mortgage | 4.54% (BOE + 054%) | Variable | 75% | £995 |
| Buy To Let (Purchase) | 4.39% | 2 Years | 70% | £995 |
Correct as of `April 2026`. Subject to change & eligibility. Early repayment charges may apply.
Are You Overpaying Your Mortgage?
Mortgage rates change constantly — and the deal you’re looking at here may not reflect what’s available across the wider market. If your current rate is higher than today’s deals, you could be overpaying without realising it.
Fees vs No-Fee:
Sometimes a lower rate with a £999–£1,499 fee is more expensive overall than a slightly higher no-fee deal. We’ll calculate:
Which Is Cheaper?
What we need to quote accurately
A short and sweet title for this section.
Don’t Just Check TSB Mortgage Rates — Know When to Act
TSB Mortgage rates can change, and the best deals don’t stay available for long. Theo tracks your mortgage against the market and alerts you when better options appear, so you don’t miss the right moment.
Theo Insight: The biggest savings often come from acting early — not waiting for rates to change again.
Track Your Mortgage Rate
Monitor your rate and spot better deals early
Get Alerts When Rates Drop
Get notified when you could save money
Know When to Remortgage
Understand your ideal remortgage timing
Theo is a mortgage intelligence platform designed to help you monitor your mortgage and identify potential savings. It does not provide advice. Always speak to a qualified adviser. Built by FCA regulated mortgage experts at Verifi Mortgages
Who TSB can work well for
LTV & deposit:
FTBs up to 95% LTV; sharpest pricing often at 60% LTV.
Income types:
PAYE, joint apps; many self-employed with 2-yr figures; contractors case-by-case.
Credit:
Clean to near-prime; minor historic blips may be considered.
Property:
Houses & flats; new-build/ex-LA subject to criteria.
How TSB Compares to Other Lenders
While TSB offers competitive rates, they may not always be the cheapest.
We compare TSB side-by-side with Halifax, Barclays, Nationwide, Santander, HSBC, and more – ensuring you never overpay.
TSB Mortgage Calculator
Want to estimate payments?
Use our Mortgage Repayment Calculator to see how TSB’s rates could work for you.
Frequently Asked Questions
Compare TSB with 100+ UK Lenders
Don’t just settle for TSB mortgage rates.
Our brokers compare the whole market to find you the best deal – and handle everything from application to approval.
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Next Steps
Take the next step towards securing your ideal mortgage with our expert comparison tools today.
RateDrop Alerts
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UK Mortgage Rates
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Remortgages
Save money or borrow more by switching your current deal.
Mortgage Lenders
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Mortgage in Principle
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Important Disclaimer
Verifi Mortgages Ltd is an independent mortgage broker and is not affiliated with TSB Bank. Rates are for illustrative purposes only. Always check the latest details with your advisor.
For additional guidance on understanding what you can afford, try the MoneyHelper Mortgage Affordability Calculator provided by the UK government’s free financial advice service.