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Cookies Policy

Call Us On: 08457 253 253*

Existing TMB customers

This site is here to support existing customers of TMB.

Whilst TMB are no longer accepting new business you can rest assured your current TMB mortgage remains unaffected. If you have any queries please refer to our Questions & Answers below or contact us on 08457 253 253.

Recent mortgage changes – Information about how we've changed the way we manage your mortgage. Click here for more information.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

 

Got a question?

What do I do if I'm facing financial difficulties?

What do I do if I want to move home?

To help your move go as smoothly as possible there are a number of options you can take concerning your mortgage.

Birmingham Midshires or Halifax may be able to offer you a product to suit your needs. If you are looking to move home, the early repayment charges that may apply to your current TMB mortgage may be waived in some circumstances, subject to criteria.

Please contact your mortgage broker or IFA to discuss your available options.

What do I do if I want Additional Borrowing?

Whilst TMB no longer offer this feature, Birmingham Midshires or Halifax may be able to help you.

To find out how you can remortgage to Birmingham Midshires or Halifax and apply for additional funds contact your Mortgage Broker/Independent Financial Adviser.

Will my monthly mortgage repayment change?

Your mortgage payment is based on the interest rate of your TMB mortgage. The interest rate can change and if it does, the monthly payment of your mortgage changes with it. If you are on a variable rate and there is a change to the Bank of England bank rate will we recalculate your monthly mortgage payment. If you are on a fixed rate and there is a change to the Bank of England bank rate your monthly mortgage payment will not be recalculated.

Can I change my Direct Debit date?

If you want to make changes to the date your payment is made, or change the bank account that your direct debit is paid from, call us on 08457 253 253. Please note that if your payment is due in the next 5 working days we will not be able to amend your direct debit until after the payment has been received.

My mortgage rate is coming to an end, can I contact TMB direct?

To find out how you can remortgage to Halifax and Birmingham Midshires contact your Mortgage Broker/Independent Financial Advisor.

Can I take a payment holiday?

Subject to criteria, TMB can offer payment holidays to the majority of its mortgage customers. They are available for a period of between one and six months over the life of the mortgage and for a variety of reasons depending on your circumstances. To qualify for a payment holiday you need to have had your mortgage for at least three months and be up to date on your payments.

Although we try and help as many customers as possible, there will be some cases where a payment holiday may not be available to you. Reasons can include - if you have a second charge on your property, if you have had previous payment holidays totalling six months or if your loan-to-valuation exceeds our criteria.

If you think you would be eligible for a payment holiday, call us on 08457 253 253.

Although payment holidays can help in the short-term, interest will still be charged and any missed interest payments will be added to your overall mortgage, resulting in increased contractual monthly payments.

What are my Early Repayment Charges?

If you have a fixed or tracker rate mortgage and are still within the fixed rate period or the tracker rate period then there may be an Early Repayment Charge if you repay the mortgage within this period. Please refer to your latest mortgage offer for full details.

When will I receive my mortgage statement?

You'll receive your annual mortgage statement after the anniversary of your mortgage completion date each year.

Can I order an interest-only statement?

Yes, this is called a Miras 5. Please call us on 08457 253 253 and request one to be sent to you.

I want to rent out my property?

If you wish to let your residential property, then you will need to speak to one of our agents please call us on 08457 253 253 to discuss it in more detail.

I want to pay off a lump sum?

Lump sum overpayments are when you pay off part of your loan using a one-off payment. To arrange a lump sum payment or arrange a regular overpayment call us on 08457 253 253.

You may have to pay an Early Repayment Charge if you are making a lump sum overpayment during an Early Repayment Charge period.

To find out if your mortgage is subject to an Early Repayment Charge and any concession that may apply please refer to your latest mortgage offer documentation or call us on 08457 253 253.

If your mortgage rate is not subject to an Early Repayment Charge you can make unlimited overpayments.

I want to increase my monthly payment?

You may be able to increase (overpay) or decrease (underpay) the amount of your monthly mortgage payment; however this is subject to certain conditions. Call us on 08457 253 253 for more information.

What other fees apply to my mortgage?

We charge certain fees in connection with mortgages. If you want to find out more about the fees we charge, please call us on 08457 253 253.

Where can I find a Mortgage Adviser?

Your local Mortgage Adviser will be able to advise you of the products available to you. You can find a local professional adviser by calling IFA Promotion Ltd on 0800 0853 250. They will send you a list of professional advisers in your local area. Alternatively you can visit their website and search online at www.unbiased.co.uk. IFA Promotion Ltd is the industry body promoting independent financial advice in the UK.

Make sure you only take advice from an FCA registered professional adviser. You can find out more about the FCA register and check that your professional adviser is listed on it by visiting the FCA website.

How can I make a complaint about my Mortgage PPI policy?

Please view our PPI complaints procedure

* Lines are open from 8.00am to 6.00pm Monday to Friday and 9.00am to 1.00pm on Saturdays. Calls may be monitored and recorded for security and training purposes. 0845 numbers may not be available outside the UK. The price of calls will vary by provider.

The Mortgage Business plc. Registered in England and Wales number 1997277. Registered office: Trinity Road, Halifax HX1 2RG. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.