Unlocking more possibilities for Foreign Nationals
We’ve expanded our lending to support more Foreign National customers, with increased LTV limits, broader visa acceptance and deposits from 15% for eligible applicants. Subject to criteria.
Mortgage processing
Underwriting
Call wait times
All service statistics last updated: 28/01/2026. All figures are averages.
*Timescale for mortgage processing does not include underwriting referral processing, where required.
Dedicated team. Five Star service
Our specialist management teams provide focused support on a regional level. Each team is supported by dedicated underwriters who will prioritise cases to reduce unnecessary referrals and speed up applications.
For general enquires contact one of our expert Telephone BDM Team on Live Chat or find your BDM using our search tool.
Track your case in real time. TSB Mortgage Pro is designed to make it quick and easy for you to get decisions and to track your cases in real time. You can log into an application and ‘view case tracking’ 24/7.
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Quick Links |
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Rate Switch FAQs
Existing customers |
We use 5.5x income, including self-employed applicants
We've increased our maximum loan to income (LTI) mulitples, allowing applicants to potentially borrow more.
£25,000 Dream Makeover Prize Draw
All eligible new and existing TSB mortgage customers will be automatically entered into our prize draws with the chance of winning £25,000. T&Cs apply.
Find out more
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Latest news release |
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Evolution with Paul Dignan
29 January 2026
For some of us, it’s not unusual to have our deepest moments of reflection in the early hours of the morning when we can’t sleep. Regrettably, I found myself in this very position shortly into the New Year, having woken up just before 4am with a wandering mind.
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Latest product range changes |
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View the most recent changes to our product range Last updated 22 January 2026 |
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Latest criteria changes |
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View our latest criteria changes Last updated 29 January 2026 |