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.

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Mortgage processing

Initial case review & document checking for standard cases 4 days

Underwriting

More complex referrals 2 days

Call wait times

Mortgage processing 3 minutes

New sales enquiries 2 minutes

All service statistics last updated: 06/02/2026. 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.

Quick Links
Rate Switch FAQs Find the answer to your Rate Switch query Existing customers Find out about our lending criteria

Quick Links

Rate Switch FAQs
Find the answer to your Rate Switch query

Existing customers
Find out about our lending criteria

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.

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£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.

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Latest news release
Economic Snapshot with David Fenton February 2026 6 February 2026 Read TSB’s Chief Economist, David Fenton’s latest Economic Snapshot following the Monetary Policy Committee’s announcement on 5 February 2026 and get up to date with the key data developments in the UK economy from published industry sources. For more information, please contact your Business Development Manager. Find out more

Latest news release

Economic Snapshot with David Fenton February 2026

6 February 2026

Read TSB’s Chief Economist, David Fenton’s latest Economic Snapshot following the Monetary Policy Committee’s announcement on 5 February 2026 and get up to date with the key data developments in the UK economy from published industry sources. For more information, please contact your Business Development Manager.

Find out more