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Sam covers personal finance topics, from the most affordable places to live to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
Anna covers personal finance, helping readers make sense of savings, credit cards and insurance. Her insights are informed by experience in the financial services industry.
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Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
TSB is a medium-sized lender with an extensive range of deals for home movers, first-time buyers and those remortgaging.
Santander purchased the lender in spring 2026 but hasn't yet announced whether TSB will be merged with it.
Here, you can find out what real TSB mortgage customers thought about its service, what our expert analysis uncovered about its range of deals, and the best TSB mortgage rates on the market right now.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our TSB mortgage review
Real TSB customer views
We've asked 126 TSB mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed TSB's mortgages to work out whether it's a lender that offers competitive deals.
TSB is in the bottom quarter of our customer satisfaction table. The lender fared better in our interest rate analysis, but you're still likely to find cheaper deals with other providers.
69%
out of 21 mortgage lenders ranked on customer score (joint-18th)
Anna McClean, market analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered, on average, the cheapest mortgage deals during our analysis period. TSB did well overall, and stood out on home mover deals.'
Here's how TSB did in our analysis:
Find out more: check which lenders came ahead of TSB in our cheapest lender interest rate analysis
The table shows the two-year fixed-rate mortgages TSB is currently offering to first-time buyers with an 80%, 90% or 95% LTV.
To see how TSB compares with other mortgage providers, visit our guide to the best mortgage rates, which is updated every day.
| 80% | TSB | 69% | 5.24% | £995 | 7.24% |
| 80% fee free | TSB | 69% | 5.49% | £0 | 7.24% |
| 90% | TSB | 69% | 5.44% | £995 | 7.24% |
| 90% fee free | TSB | 69% | 5.69% | £0 | 7.24% |
| 95% | TSB | 69% | 5.74% | £995 | 7.24% |
| 95% fee free | TSB | 69% | 5.94% | £0 | 7.24% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must have a minimum sample size of 40 for inclusion in the results. TSB had a sample size of 126.
Use the table to see the two-year fixed mortgages TSB is currently offering to home movers with a 60%, 75% or 85% LTV.
To see how TSB compares with other mortgage providers, visit our guide to the best mortgage rates, which is updated every day.
| 60% | TSB | 69% | 5.04% | £995 | 7.24% |
| 60% fee free | TSB | 69% | 5.29% | £0 | 7.24% |
| 75% | TSB | 69% | 5.14% | £995 | 7.24% |
| 75% fee free | TSB | 69% | 5.39% | £0 | 7.24% |
| 85% | TSB | 69% | 5.24% | £995 | 7.24% |
| 85% fee free | TSB | 69% | 5.49% | £0 | 7.24% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must have a minimum sample size of 40 for inclusion in the results. TSB had a sample size of 126.
The table shows the two-year fixed-rate deals TSB is currently offering to remortgagers with a 60%, 75% or 85% LTV.
To see how TSB compares with other mortgage providers, visit our guide to the best mortgage rates, which is updated every day.
| 60% | TSB | 69% | 5.09% | £1,495 | 7.24% |
| 60% fee free | TSB | 69% | 5.39% | £0 | 7.24% |
| 75% | TSB | 69% | 5.19% | £1,495 | 7.24% |
| 75% fee free | TSB | 69% | 5.49% | £0 | 7.24% |
| 85% | TSB | 69% | 5.34% | £995 | 7.24% |
| 85% fee free | TSB | 69% | 5.59% | £0 | 7.24% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must have a minimum sample size of 40 for inclusion in the results. TSB had a sample size of 126.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked TSB mortgage customers about their experiences with the lender.
Here's how customers rated TSB in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must have a minimum sample size of 40 for inclusion in the results. The sample size for TSB was 126.
Customer service is always good and helpful
Most comments from TSB customers were positive, with many respondents saying they have never had any issues with the bank.
Customers described the provider as helpful, knowledgeable, friendly and polite.
Most found TSB's communication 'clear', although one customer described it as 'too complicated' and another found it to be 'poor'.
When we checked in September 2026, there were 312 mortgages available from TSB. Most were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
TSB mortgages had initial periods of two, three or five years.
A smaller number of mortgages offered by TSB were tracker deals, with initial terms lasting two years before reverting to TSB's standard variable rate.
TSB doesn't publish its borrowing caps, but you can use its affordability calculator to check the size of a mortgage you qualify for.
TSB currently doesn’t offer preferential rates for energy-efficient homes. Instead, it offers £250 cashback for mortgages on homes with an A or B EPC.
All TSB's mortgages allow a maximum term length of 40 years.
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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