Got a question?

HLC stands for Higher Lending Charge and is a fee charged if you borrow a high percentage of the value of the property, usually more than 75%.

Depending on what date in the month you complete your mortgage, initial interest is charged from the date of completion to the end of that month. This is because you are paying in advance rather than arrears.

Interest is calculated until the end of TMB's financial year (31st December) from the date of completion.

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. The only exception to this is if you have a fixed rate mortgage, in which case your interest rate will remain fixed, however your monthly payment could change (for example, if a payment is not made on time, or if a fee is added to your loan your repayment will increase).

You can only change your Direct Debit date once the initial interest and the first monthly mortgage repayment has been made. Please allow 14 days notice before a selected payment due date to allow for processing. Alternatively, download a Direct Debit Mandate Form, complete it in full and return it (stamp required) to TMB, PO Box 548, LEEDS, LS1 1WU.

No, if the charge is not paid within the 14 days allocated then it will be added to your mortgage account.

Whilst TMB no longer offer this feature, the award-winning group division of Birmingham Midshires may be able to help you.

To find out how you can re-mortgage to Birmingham Midshires and apply for additional funds contact your Mortgage Broker/Independent Financial Advisor.

Whilst TMB no longer offer this feature, the award-winning group division of Birmingham Midshires may be able to help you.

To find out how you can re-mortgage to Birmingham Midshires contact your Mortgage Broker/Independent Financial Advisor.

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, applying is easy and very straightforward. You can download the attached payment holiday application form (right-click [PC] or control-click [Mac] to download this Microsoft Word document), completing it in full and return it (stamp required) to:

TMB
PO Box 548
LEEDS
LS1 1WU

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.

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 original KFI or Mortgage Offer for full details.

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

Yes, this is called a Miras 5.  Please complete the online contact form and request one to be sent to you.

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.

You can do this, but if your mortgage is subject to an early repayment charge you may have to pay some of that charge according to the amount that you are repaying.  However, we will allow you to repay up to 10% of the amount of your mortgage that is subject to an early repayment charge during any rolling 12 month period without incurring any early repayment charge.

If you want to make an extra lump sum payment, your monthly mortgage payments will be lowered to repay the reduced overall balance on your mortgage over the same remaining term.  However if you want to remain paying the same monthly amount then we can re-calculate the remaining term.

If you have a Flexible Mortgage, you may be able to increase (overpay) or decrease (underpay) the amount of your monthly mortgage payment; however this is subject to certain conditions.

Whilst we do make efforts to ensure our customers can afford to meet all their monthly payments (before we can offer a mortgage) we also know that changes in people's lives can lead to financial problems.

If you feel that this has happened to you (or may in the near future) it is important that you get free help and advice immediately. That's why we have a counselling service that offers advice on all your debts. Just call 0845 606 0279* and we'll discuss the issue with you in complete confidence. The Lines are open from 8.00am to 6.00pm Monday to Friday and 9.00am to 12.30pm on Saturdays.

We will always try to help our customers who get into financial difficulty and struggle with mortgage repayments.  It's much better to discuss these issues early.

We charge certain fees in connection with mortgages. These are set out in our Mortgage Fees leaflet and unless we state otherwise, can change from time to time.

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 FSA registered professional adviser.  You can find out more about the FSA register and check that your professional adviser is listed on it by visiting the FSA website.