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 that as an existing customer we want to give you all of the help and support you need if you’re moving home, looking for additional borrowing, wanting to move to a different rate or want to change your existing TMB mortgage.

If you have any queries please refer to our Questions & Answers below or contact us on 0345 725 3253*. Lines are open from 9am to 5pm Monday to Friday (excluding bank holidays).

Coronavirus support

If the coronavirus (COVID-19) has had an impact on your income, you might be concerned about keeping up with your mortgage payments.

Please don’t worry. We have ways to help, until things get back to normal.

Bank of England rate change announcement

Following the recent Monetary Policy Committee meeting the Bank of England has announced a change to the Base Rate from 1.00% to 1.25%.

If your mortgage is affected by the rate change, we’ll write to you to let you know your new monthly payment before it is due.

Use our Rate Change Calculator to get an idea of how much a monthly mortgage payment might change by, following a Bank of England Base Rate change.

Find out more about the Bank of England base rate and your mortgage.

Got a question?

  • If you're planning to support the government scheme to house Ukrainian refugees, we're supporting you by making the process as simple as possible.

    You won't need to notify us if you're providing:

    • a room(s) in your own home (current limit of 2 lodgers will not apply)
    • a residential property you own (there’s no need to request consent to lease but you'll need to obtain a tenancy agreement)
    • your Buy To Let property (normal mortgage and letting conditions apply, and you need to obtain a tenancy agreement).

    It's important you consider whether by providing this support you are still able to afford your household bills, pay your mortgage and it doesn’t put you in financial difficulty. You may wish to look at any government guidance issued.

    You should also check with your building/contents insurer to see if you need their consent.

  • If you are on a variable rate and there is a change to the Bank of England bank rate we may change your interest rate and if we do we will recalculate your monthly mortgage payment. If we do recalculate your monthly repayment, we will let you know what your new payment is.

    If you are on a variable rate and want to fix your rate, we can offer help and support through a switch to the Bank of Scotland where a more suitable product may be available to you. Switching would give you access to the current Bank of Scotland products and rates. You can find out more how we can help, or you can call us on 0345 725 3253* . Lines are open from 9am to 5pm Monday to Friday (excluding bank holidays).

  • We may be able to help you move to your new home through a switch to the Bank of Scotland where you may be able to take your current rate with you. You can find out more how we can help, or you can call us on 0345 725 3253*. Lines are open from 9am to 5pm Monday to Friday (excluding bank holidays).

  • Additional borrowing is a convenient way for you to release the value tied up in your property. Whilst TMB no longer offer this, if you require additional borrowing we may be able to offer help and support through a switch to the Bank of Scotland. By switching you would have access to the current Bank of Scotland products and rates including additional borrowing options. You can find out more how we can help, or you can call us on 0345 725 3253*. Lines are open from 9am to 5pm Monday to Friday (excluding bank holidays).

  • 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 we may change your interest rate and if we do we will 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.

    If you are on a variable rate and want to fix your rate, we can offer help and support through a switch to the Bank of Scotland where a more suitable product may be available to you. Switching would give you access to the current Bank of Scotland products and rate. You can find out more how we can help, or you can call us on 0345 725 3253. Lines are open from 9am to 5pm Monday to Friday (excluding bank holidays).

  • 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 0345 725 3253*. Lines are open from 9am to 5pm Monday to Friday (excluding bank holidays). 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.

  • Whilst TMB no longer offer product switches, if your existing mortgage deal has ended or is coming to an end, we can offer help and support if you want to switch to a new deal with the Bank of Scotland. Switching would give you access to the current Bank of Scotland products and rates. You can find out more how we can help, or you can call us on 0345 725 3253*. Lines are open from 9am to 5pm Monday to Friday (excluding bank holidays).

  • One option available to residential interest only customers (not applicable to Buy To Let mortgages) whose mortgage term ends between 20th March 2020 and the 31st October 2021, is to delay repaying the full amount until up to 31st October 2021. 

    If your term ends between these dates and you want to discuss this option, call us on 0808 145 0378.  Lines are open 9am to 5pm Monday to Friday (excluding bank holidays).

    Please note: If you have missed any payments without our agreement and your account is not up to date, you will not qualify. If you do take the option to delay the repayment of your mortgage, we’ll continue to collect your monthly payments and charge interest until you pay the amount you owe. You can repay at any time before 31st October 2021 and the sooner you do, the less interest you’ll pay. 

  • 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.

  • You may be able to decrease (underpay) the amount of your monthly TMB mortgage payment; however this is subject to certain conditions. If this option is not available to you with your TMB mortgage we can offer help and support through a switch to the Bank of Scotland where a more suitable product may be available to you.

    Switching would give you access to the current Bank of Scotland products and rate. You can find out more how we can help, or you can call us on 0345 725 3253. Lines are open from 9am to 5pm Monday to Friday (excluding bank holidays).

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

  • Yes, this is called a Certificate of Interest. Please call us on 0345 725 3253* and request one to be sent to you. Lines are open from 9am to 5pm Monday to Friday (excluding bank holidays).

  • If you wish to let your residential property, then you will need to speak to one of our agents please call us on 0345 725 3253* to discuss it in more detail. Lines are open from 9am to 5pm Monday to Friday (excluding bank holidays).

     

  • 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 0345 725 3253*. Lines are open from 9am to 5pm Monday to Friday (excluding bank holidays).

    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 0345 725 3253*.

    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) the amount of your monthly TMB mortgage payment; however this is subject to certain conditions. If this option is not available to you with your TMB mortgage we can offer help and support through a switch to the Bank of Scotland where a more suitable product may be available to you.

    Switching would give you access to current Bank of Scotland products and rates. You can find out more how we can help, or you can call us on 0345 725 3253*. Lines are open from 9am to 5pm Monday to Friday (excluding bank holidays).

  • 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.

  • Please view our PPI complaints procedure

* Lines are open from 9am to 5pm Monday to Friday (excluding bank holidays). Calls may be monitored and recorded for security and training purposes. 0345 numbers may not be available outside the UK. The price of calls will vary by provider.

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

The Mortgage Business plc. Registered Office: Trinity Road, Halifax HX1 2RG. Registered in England and Wales No. 1997277. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 304154. Telephone calls may be monitored or recorded.