TSB mortgage login (+more)

In this brief we are going to talk about what you can do via the TSB mortgage login page and other things you may want to consider as a mortgage holder, such as managing your mortgage in the most efficient way, planning for a TSB remortgage, making mortgage overpayments and monitoring the equity in your home since you took on your TSB mortgage.

TSB mortgage login

You can find the TSB mortgage login page here:  

From this TSB mortgage login  page you can:

View your mortgage statement

Print out your TSB mortgage statement

View what APR you are currently paying on your mortgage

View what your monthly mortgage repayments are on your TSB mortgage

View how many more months of monthly mortgage repayments are

View what your mortgage balance is on your TSB mortgage

You may be able to view your key facts illustration document once you have logged in through the TSB mortgage login page.

You may also be able to apply for a remortgage on the TSB mortgage page

The tasks below may require you to call TSB for more assistance:

Request a redemption statement

Order a duplicate annual mortgage statement

Order a certificate of interest

Change from a repayment mortgage to an interest-only mortgage

Request a payment holiday

Make an extra payment to my mortgage

Change my telephone or email details

Making changes to your mortgage account

You can contact TSB mortgages on 0800 056 1088

Once you get to the TSB mortgage login page it will ask you for your customer ID. This is usually the email you used to sign up with.

From the TSB mortgage login page, you can also reset your password if you have forgotten your login details for the TSB mortgage login page. Unfortunately, this button may not allow you to reset your TSB mortgage login password but may instead provide you with the below information.

“ Forgotten your customer ID? Call us on 0345 608 1604.

We are here from 8am to 8pm Monday to Friday, 8am to 4pm on Saturdays and 10am to 3pm on Sundays. Calls to 03 numbers cost the same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. Calls may be monitored and recorded.  “

Managing your mortgage

As a mortgage holder managing your mortgage is one of the key things you will need to do to ensure you have a balanced financial wellbeing. 

Managing Your Mortgage doesn’t mean getting an excel sheet and trying to work out how much you owe your mortgage lender, what the mortgage balance is and how long it will take for you to repay the mortgage and be mortgage-free.

Looking for the TSB mortgage login page and having a look around isn’t the best way to manage your mortgage.

Managing your mortgage should be a passive thing. There is so much technology available now that you should be able to easily manage your mortgage with very little work and without having to search for the TSB mortgage login page.

What does managing your mortgage mean?

Managing your mortgage means knowing all the key facts about your mortgage in an easy to view straightforward medium. 

This means knowing when your next monthly mortgage repayment comes out, how much you pay each month, what your TSB mortgage balance is, when your TSB mortgage is due to be paid off, how much you can save by overpaying your mortgage and how much you will need to overpay your TSB mortgage by, how much interest your TSB mortgage costs you each month and each year, how much equity you have in your property, if you are eligible for a remortgage, what mortgage lenders may be willing to lend to you and how much you could save by remortgaging.

This is what mortgage management means and searching for the TSB mortgage login page and the contents within the TSB mortgage dashboard will not give you access to this information.

Getting a remortgage

You may also be searching for the TSB mortgage login page as you are considering remortgaging your TSB mortgage.

If you are considering getting a remortgage then the first thing you should know that the remortgage offers displayed in the TSB mortgage login page or anywhere else on the TSB mortgage website may not be suitable for you as you may be eligible for a better mortgage deal from a mortgage lender who is not TSB mortgage.

Although TSB mortgages may have very desirable offers and some saving it is usually better to use a mortgage broker who can access the whole of the mortgage market and let you know which mortgage lenders may be able to offer you a mortgage based on your mortgage affordability. Mortgage brokers are also very helpful as they may be to help you with special situations such as remortgaging with bad credit or remortgaging on a non-standard construction house.

If you are planning to get a remortgage then you should consider building your credit score in order to improve your mortgage affordability.

You can improve your credit score by doing the below:

Registering on the electoral roll

Getting a credit builder card

Getting a secured credit card

Getting a credit builder loan

Avoid missing credit repayments

Avoid making late payments

Getting a remortgage

You may want to consider using an independent mortgage broker to get a mortgage to a better deal as part of your mortgage management plans.

Mortgage brokers are important as they can access mortgage products from across the whole of the market in some cases. This could be over 11,000 mortgage products. This may have some advantages than going directly to a mortgage lender.

A mortgage broker will look to understand your financial circumstances and then provide recommendations on which mortgage products may be suitable for you.

After giving you these mortgage recommendations, most mortgage brokers will seek your consent to apply for a mortgage in principle. 

This will allow you to shop for your home easier as more estate agents and sellers may take you seriously or it will give you confidence that your remortgage is indeed a possibility before you make a full mortgage application. 

Once you have found a home you want to buy or are satisfied with the mortgage offer for your remortgage then the mortgage broker will then look to get you a mortgage offer.

This will come with a key facts illustration document which details out the features of your mortgage including how much you will pay per month if there are any limits such as early repayment fees, or annual overpayment limits.

If you are happy with everything you can then go on to secure your mortgage with the help of a conveyancer. 

Your conveyancer will manage the legal searches on the property to ensure there aren’t any issues with it, they will oversee the sales agreement to ensure it is in your best interest, they will manage the transfer of mortgage funds, exchange contracts with the seller or their conveyancer and set a completion date with the seller or their conveyancer.

In this brief guide, we discussed the TSB mortgage login page, how to manage your mortgage and the benefits of using a mortgage broker when considering a remortgage.

If you need financial advice and you live in the UK then you could contact the Money Advice service over the phone or via chat for impartial advice.

You can also contact the debt charity “Step Change” if you are in debt and need help.