Mortgage rates

TSB mortgage rates today Updated every night.

76 TSB deals for buying a home, from 4.69%. Each one set beside the lowest from the 10 other lenders we read, with what it costs a month for your deposit. No broker, no commission.

Lowest rate: 4.69%
Deals for buying a home: 76
Loan to value: 60% to 95%
Read from its site: 12 Nov 2026

Work out TSB’s deals for your price and deposit

TSB 2 year fixed mortgage rates

TSB’s lowest 2-year fix at each loan to value, beside the lowest from the 10 other lenders here.

TSB 2 year fixed mortgage rates by loan to value
Loan to value	Lowest rate	Deal	Lowest from any lender here
60% LTV40% deposit	5.04%	2 year fixed£995 fee	4.87%NatWest
75% LTV25% deposit	5.14%	2 year fixed£995 fee	5.00%Yorkshire Building Society
85% LTV15% deposit	5.24%	2 year fixed£995 fee	5.10%Yorkshire Building Society
90% LTV10% deposit	5.44%	2 year fixed£995 fee	5.23%Santander

TSB 3 year fixed mortgage rates

TSB’s lowest 3-year fix at each loan to value, beside the lowest from the 10 other lenders here.

TSB 3 year fixed mortgage rates by loan to value
Loan to value	Lowest rate	Deal	Lowest from any lender here
60% LTV40% deposit	4.99%	3 year fixed£995 fee	4.94%Nationwide Building Society
75% LTV25% deposit	5.09%	3 year fixed£995 fee	5.05%Nationwide Building Society
85% LTV15% deposit	5.24%	3 year fixed£995 fee	5.12%Nationwide Building Society
90% LTV10% deposit	5.59%	3 year fixedno fee	5.25%Nationwide Building Society
95% LTV5% deposit	5.79%	3 year fixedno fee	5.56%Barclays

TSB 5 year fixed mortgage rates

TSB’s lowest 5-year fix at each loan to value, beside the lowest from the 10 other lenders here.

TSB 5 year fixed mortgage rates by loan to value
Loan to value	Lowest rate	Deal	Lowest from any lender here
60% LTV40% deposit	5.04%	5 year fixed£995 fee	4.82%Barclays
75% LTV25% deposit	5.14%	5 year fixed£995 fee	4.88%Barclays
85% LTV15% deposit	5.24%	5 year fixed£995 fee	5.00%Barclays
90% LTV10% deposit	5.39%	5 year fixed£995 fee	5.00%Barclays
95% LTV5% deposit	5.69%	5 year fixed£995 fee	5.58%Skipton Building Society

TSB tracker mortgage rates

TSB’s lowest tracker at each loan to value, beside the lowest from the 10 other lenders here. A tracker moves with Bank Rate; each rate is TSB’s own, already at today’s Bank Rate.

TSB tracker mortgage rates by loan to value
Loan to value	Lowest rate	Deal	Lowest from any lender here
60% LTV40% deposit	4.69%	2 year tracker£995 fee	4.08%Santander
75% LTV25% deposit	4.74%	2 year tracker£995 fee	4.20%Santander
85% LTV15% deposit	5.09%	2 year tracker£995 fee	4.30%Santander

TSB mortgage rate changes

Every change TSB made to the rates it publishes for buying a home in the last 4 weeks, read from its own site each night: 8 rates raised. Newest first.

TSB mortgage rate changes, newest first
Lender and deal	Read on	Loan to value	Was	Now	Change
TSB2 year tracker, 2-year tracker	9 Nov 2026	60% to 85%	4.44% to 4.84%	4.69% to 5.09%	Up 0.25points
TSB2 year fixed, 2-year fixed	9 Nov 2026	60% to 95%	7.24%	7.49%	Up 0.25points, rate after the deal
TSB2 year tracker, 2-year tracker	9 Nov 2026	60% to 85%	7.24%	7.49%	Up 0.25points, rate after the deal
TSB3 year fixed, 3-year fixed	9 Nov 2026	60% to 95%	7.24%	7.49%	Up 0.25points, rate after the deal
TSB5 year fixed, 5-year fixed	9 Nov 2026	60% to 95%	7.24%	7.49%	Up 0.25points, rate after the deal

TSB mortgage calculator: what you would pay

The monthly repayment on a £300,000 home over 30 years at TSB’s lowest 2-year fixed rate for each deposit. Your own price, deposit and term are worked out in the comparison, with fees and the rate after the deal.

TSB monthly repayments on a £300,000 home by deposit
Deposit	Loan	Rate	Monthly payment
5% deposit£15,000	£285,000	5.74%TSB	£1,661
10% deposit£30,000	£270,000	5.44%TSB	£1,523
15% deposit£45,000	£255,000	5.24%TSB	£1,407
25% deposit£75,000	£225,000	5.14%TSB	£1,227
40% deposit£120,000	£180,000	5.04%TSB	£971

Every TSB mortgage deal

All 76 deals TSB publishes for buying a home, as its own site showed them on 12 November 2026, by length of deal and loan to value.

Show all 76 deals

Every TSB mortgage deal for buying a home
Deal	Up to	Rate	Then	Fee
TSB2 year fixed · £995 fee	60% LTV	5.04%2-year fixed	7.49%	£995
TSB2 year fixed · £995 fee	60% LTV	5.04%2-year fixed	7.49%	£995
TSB2 year fixed · no fee	60% LTV	5.29%2-year fixed	7.49%	No fee
TSB2 year fixed · no fee	60% LTV	5.29%2-year fixed	7.49%	No fee
TSB2 year fixed · £995 fee	75% LTV	5.14%2-year fixed	7.49%	£995
TSB2 year fixed · £995 fee	75% LTV	5.14%2-year fixed	7.49%	£995
TSB2 year fixed · no fee	75% LTV	5.39%2-year fixed	7.49%	No fee
TSB2 year fixed · no fee	75% LTV	5.39%2-year fixed	7.49%	No fee
TSB2 year fixed · £995 fee	80% LTV	5.24%2-year fixed	7.49%	£995
TSB2 year fixed · £995 fee	80% LTV	5.24%2-year fixed	7.49%	£995
TSB2 year fixed · no fee	80% LTV	5.49%2-year fixed	7.49%	No fee
TSB2 year fixed · no fee	80% LTV	5.49%2-year fixed	7.49%	No fee
TSB2 year fixed · £995 fee	85% LTV	5.24%2-year fixed	7.49%	£995
TSB2 year fixed · £995 fee	85% LTV	5.24%2-year fixed	7.49%	£995
TSB2 year fixed · no fee	85% LTV	5.49%2-year fixed	7.49%	No fee
TSB2 year fixed · no fee	85% LTV	5.49%2-year fixed	7.49%	No fee
TSB2 year fixed · £995 fee	90% LTV	5.44%2-year fixed	7.49%	£995
TSB2 year fixed · £995 fee	90% LTV	5.44%2-year fixed	7.49%	£995
TSB2 year fixed · no fee	90% LTV	5.69%2-year fixed	7.49%	No fee
TSB2 year fixed · no fee	90% LTV	5.69%2-year fixed	7.49%	No fee
TSB2 year fixed · £995 fee	95% LTV	5.74%2-year fixed	7.49%	£995
TSB2 year fixed · £995 fee	95% LTV	5.74%2-year fixed	7.49%	£995
TSB2 year fixed · no fee	95% LTV	5.94%2-year fixed	7.49%	No fee
TSB2 year fixed · no fee	95% LTV	5.94%2-year fixed	7.49%	No fee
TSB3 year fixed · £995 fee	60% LTV	4.99%3-year fixed	7.49%	£995
TSB3 year fixed · £995 fee	60% LTV	4.99%3-year fixed	7.49%	£995
TSB3 year fixed · no fee	60% LTV	5.24%3-year fixed	7.49%	No fee
TSB3 year fixed · no fee	60% LTV	5.24%3-year fixed	7.49%	No fee
TSB3 year fixed · £995 fee	75% LTV	5.09%3-year fixed	7.49%	£995
TSB3 year fixed · £995 fee	75% LTV	5.09%3-year fixed	7.49%	£995
TSB3 year fixed · no fee	75% LTV	5.34%3-year fixed	7.49%	No fee
TSB3 year fixed · no fee	75% LTV	5.34%3-year fixed	7.49%	No fee
TSB3 year fixed · £995 fee	80% LTV	5.24%3-year fixed	7.49%	£995
TSB3 year fixed · £995 fee	80% LTV	5.24%3-year fixed	7.49%	£995
TSB3 year fixed · no fee	80% LTV	5.49%3-year fixed	7.49%	No fee
TSB3 year fixed · no fee	80% LTV	5.49%3-year fixed	7.49%	No fee
TSB3 year fixed · £995 fee	85% LTV	5.24%3-year fixed	7.49%	£995
TSB3 year fixed · £995 fee	85% LTV	5.24%3-year fixed	7.49%	£995
TSB3 year fixed · no fee	85% LTV	5.49%3-year fixed	7.49%	No fee
TSB3 year fixed · no fee	85% LTV	5.49%3-year fixed	7.49%	No fee
TSB3 year fixed · no fee	90% LTV	5.59%3-year fixed	7.49%	No fee
TSB3 year fixed · no fee	90% LTV	5.59%3-year fixed	7.49%	No fee
TSB3 year fixed · no fee	95% LTV	5.79%3-year fixed	7.49%	No fee
TSB3 year fixed · no fee	95% LTV	5.79%3-year fixed	7.49%	No fee
TSB5 year fixed · £995 fee	60% LTV	5.04%5-year fixed	7.49%	£995
TSB5 year fixed · £995 fee	60% LTV	5.04%5-year fixed	7.49%	£995
TSB5 year fixed · no fee	60% LTV	5.19%5-year fixed	7.49%	No fee
TSB5 year fixed · no fee	60% LTV	5.19%5-year fixed	7.49%	No fee
TSB5 year fixed · £995 fee	75% LTV	5.14%5-year fixed	7.49%	£995
TSB5 year fixed · £995 fee	75% LTV	5.14%5-year fixed	7.49%	£995
TSB5 year fixed · no fee	75% LTV	5.29%5-year fixed	7.49%	No fee
TSB5 year fixed · no fee	75% LTV	5.29%5-year fixed	7.49%	No fee
TSB5 year fixed · £995 fee	80% LTV	5.24%5-year fixed	7.49%	£995
TSB5 year fixed · £995 fee	80% LTV	5.24%5-year fixed	7.49%	£995
TSB5 year fixed · no fee	80% LTV	5.39%5-year fixed	7.49%	No fee
TSB5 year fixed · no fee	80% LTV	5.39%5-year fixed	7.49%	No fee
TSB5 year fixed · £995 fee	85% LTV	5.24%5-year fixed	7.49%	£995
TSB5 year fixed · £995 fee	85% LTV	5.24%5-year fixed	7.49%	£995
TSB5 year fixed · no fee	85% LTV	5.39%5-year fixed	7.49%	No fee
TSB5 year fixed · no fee	85% LTV	5.39%5-year fixed	7.49%	No fee
TSB5 year fixed · £995 fee	90% LTV	5.39%5-year fixed	7.49%	£995
TSB5 year fixed · £995 fee	90% LTV	5.39%5-year fixed	7.49%	£995
TSB5 year fixed · no fee	90% LTV	5.54%5-year fixed	7.49%	No fee
TSB5 year fixed · no fee	90% LTV	5.54%5-year fixed	7.49%	No fee
TSB5 year fixed · £995 fee	95% LTV	5.69%5-year fixed	7.49%	£995
TSB5 year fixed · £995 fee	95% LTV	5.69%5-year fixed	7.49%	£995
TSB5 year fixed · no fee	95% LTV	5.84%5-year fixed	7.49%	No fee
TSB5 year fixed · no fee	95% LTV	5.84%5-year fixed	7.49%	No fee
TSB2 year tracker · £995 fee	60% LTV	4.69%2-year tracker	7.49%	£995
TSB2 year tracker · £995 fee	60% LTV	4.69%2-year tracker	7.49%	£995
TSB2 year tracker · £995 fee	75% LTV	4.74%2-year tracker	7.49%	£995
TSB2 year tracker · £995 fee	75% LTV	4.74%2-year tracker	7.49%	£995
TSB2 year tracker · £995 fee	80% LTV	5.09%2-year tracker	7.49%	£995
TSB2 year tracker · £995 fee	80% LTV	5.09%2-year tracker	7.49%	£995
TSB2 year tracker · £995 fee	85% LTV	5.09%2-year tracker	7.49%	£995
TSB2 year tracker · £995 fee	85% LTV	5.09%2-year tracker	7.49%	£995

TSB mortgage rates: your questions

What are TSB’s mortgage rates today?

TSB’s lowest rate for buying a home today is 4.69%, its 2-year tracker at up to 60% LTV, with a £995 fee. With a 10% deposit its lowest is 5.39% (5-year fixed). With a 5% deposit, 5.69% (5-year fixed). Read from TSB’s own site on 12 November 2026.

Has TSB cut or raised its mortgage rates?

It has raised them: on 9 November 2026 TSB raised its 2 year tracker (2-year tracker) by 0.25 points at 60% to 85% LTV, to 4.69% to 5.09%. In the last 4 weeks it cut 0 rates and raised 8 rates for buying a home, read from its own site each night.

Every lender’s rate changes

Does TSB offer 95% mortgages?

Yes: TSB publishes deals up to 95% loan to value, so a 5% deposit. Its lowest today is 5.69%, a 5-year fixed with a £995 fee: about £1,652 a month on a £300,000 home over 30 years.

95% mortgage rates from every lender

What rate does TSB charge after the deal ends?

Most TSB deals move to 7.49% when the initial rate ends, the variable rate it charges today. That rate can change, and it is what the comparison uses for the payment after the deal.

Does TSB charge a mortgage product fee?

TSB publishes deals with no fee, £995 product fees. A fee usually buys a lower rate; whether it pays depends on the size of the loan, which the comparison’s true cost works out.

Does TSB have early repayment charges?

Yes, on its fixed deals: TSB’s 2-year fixes charge 2.5% in year 1 and 1.5% in year 2 of what is repaid early, as most UK lenders do. Each deal’s own schedule is in the comparison’s More info.

Does TSB lend on new-build homes?

Its published rates for buying a home set no new-build exclusion, so every deal here is shown. A lender checks the home itself before it lends, as it does for any purchase.

New build mortgage rates from every lender

Where do these mortgage rates come from?

From each lender’s own website, read every night by NewHomeSearch: 11 UK lenders, their rates, fees, loan to value bands and early repayment charges exactly as they publish them for buying a home. We are not a broker, take no commission and rank nothing for payment, so every deal is shown on the same terms, sorted by its numbers. Rates change, and a lender decides who it lends to: check a deal with the lender before you apply.

Compare every lender’s rates for your deposit

How we read the rates

From each lender’s own website, every night. 11 UK lenders, read at 02:45 UTC; this page’s rates were read on 12 Nov 2026. Every rate links the page it came from.
No broker, no commission, no paid placings. Nothing here is ranked for money, so every deal is shown on the same terms, sorted by its numbers.
Only deals that lend on new-build homes. Every home on NewHomeSearch is a new build, so a deal its lender keeps from new builds is never shown.
The sums done for you. Monthly payments, the true cost over the deal and the APRC are worked out with the lender’s own fees, in the comparison, for your price and deposit.

An illustration, not advice: rates change, and a lender decides who it lends to. Check a deal with the lender before you apply. How NewHomeSearch reads the lenders’ sites.