Pre-book your client’s mortgage rate

Relax and save time on admin. With TSB Rate Switch you can pre-book your client's mortgage rate before the end of their fixed term.

If you need their mortgage account number - use our Lookup tool here.

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Mortgage processing

Initial case review & document checking for standard cases 2 days

Underwriting

More complex referrals 2 days

Call wait times

Mortgage processing 3 minutes

New sales enquiries 1 minute

All service statistics last updated: 15/06/2026. All figures are averages.

*Timescale for mortgage processing does not include underwriting referral processing, where required.

TSB has become part of Santander. There is nothing you need to do, your client’s mortgages are still held with TSB. If you have any further questions, please feel free to reach out to your Business Development Manager or view our FAQs on our website here.

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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Enhanced lending for Foreign Nationals

With increased LTV limits, broader visa acceptance and deposits from 15% for eligible applicants. Subject to criteria.

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Latest news release
Going for Seven: Why TSB is playing to win in the FT Adviser Five Star Service Awards 16 June 2026 As we prepare for the next World Cup, there’s a familiar feeling of anticipation in the air…punctuated by a sense of dread, from an England fan’s perspective! Teams are perfecting their tactics, players are being selected for their strengths. It’s all about consistency, teamwork and delivering when it counts. Find out more

Latest news release

Going for Seven: Why TSB is playing to win in the FT Adviser Five Star Service Awards

16 June 2026

As we prepare for the next World Cup, there’s a familiar feeling of anticipation in the air…punctuated by a sense of dread, from an England fan’s perspective! Teams are perfecting their tactics, players are being selected for their strengths. It’s all about consistency, teamwork and delivering when it counts.

Find out more