Changes to our criteria*

We’ve made changes to our lending criteria.

From Wednesday 08 April 2026, we’ve improved our loan to income multiple (LTI) for employed/self-employed <85% LTV, helping these customers to potentially borrow more.

Please visit our Affordability page for the full details, including income and LTV requirements.

Previous changes to our criteria*

We’ve changed our Buy to Let policy and now offer Portfolio BTL applications for landlords with 4 or more mortgaged properties
- Customers can have a maximum of 10 mortgaged BTL properties (max 5 with TSB up to £2m total)
- 75% LTV with max loan of £1m
- HMO/Holiday let income – acceptable for 25% of total rental income of background portfolio (none to be mortgaged with TSB)
For more information and full criteria, please visit the Portfolio Buy to Let page.
From Thursday 29 January, we’ve increased our LTV Limits for Foreign Nationals and added to our acceptable Visa’s list, for customers without Permanent Rights to Reside.

Opening more doors to help them onto and up the property ladder.
- LTV increased to 85% for customers with sole income of £50K and above or joint income of £75k and above
- Deposits now follow the standard deposit policy, including gifted deposits
- Additional types of visas accepted
For more information on the full criteria, visit the Foreign Nationals page on the TSB Mortgage Intermediaries website.
We’ve launched our new Energy Efficient Product range with a £250 cashback.

On Tuesday 9 September, we’re launching our Energy Efficient Product range which includes a £250 cashback. Customers purchasing a property with an Energy Performance Certificate (EPC) of A or B will be eligible.

Energy efficiency just got more rewarding!
- For Residential Purchase applications only.
- Also includes New Build properties with a predicted EPC of A or B.
- £250 cashback is in addition to any other product cashback (e.g. our >85% LTV purchase range).
- Product rates remain unchanged, matching the equivalent standard purchase products.
For the current product rates, visit our Products page.
We’ve improved our Residential stress rate.

From Thursday 17 July 2025, we’re giving our customers the flexibility to borrow more and reduced the stress rate used for all Residential lending to 6.75% (or product rate +1% if higher).

This includes First Time Buyer applications, helping more customer onto, and up the property ladder.

For more information, visit our Affordability page.

*Please check the criteria pages for up to date information