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 0345 725 3253.
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?
How will a change in the Bank of England Bank Rate affect my mortgage?
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. Click here for more information.
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.
You could apply for a new mortgage from another mortgage provider within Lloyds Banking Group and the early repayment charges that may apply to your current TMB mortgage may be waived in some circumstances, subject to criteria.
Alternatively you may want to 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, you could apply for a remortgage from another mortgage provider within Lloyds Banking Group and apply to borrow more.
Alternatively you may want to 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 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 may 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 0345 725 3253. 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?
If you contact us at the end of your current deal to arrange a new one, you will need to apply for a remortgage to another mortgage provider from Lloyds Banking Group. Alternatively you may want to contact your Mortgage Broker/Independent Financial Adviser.
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.
Can I reduce the cost of my mortgage?
We no longer offer product switches but if you have a residential mortgage, you could move your mortgage to the Bank of Scotland where a cheaper product may be available to you. To find out if this is possible you can call them on 0345 071 0231.
If you have a Buy to Let mortgage, you may be able to move your mortgage to Birmingham Midshires. To do this, you will need to contact your mortgage broker or Independent Financial Adviser.
Like TMB, Bank of Scotland and Birmingham Midshires are part of the Lloyds Banking Group.
Alternatively, you could consider remortgaging to another lender that is not part of the Lloyds Banking Group. You would need to meet their lending policy at the time you apply. Remember that early repayment charges may be payable. You can call us on 08457 253 253 and we will be able to confirm if any apply.
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 statement?
Yes, this is called a Certificate of Interest. Please call us on 0345 725 3253 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 0345 725 3253 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 0345 725 3253.
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) or decrease (underpay) the amount of your monthly mortgage payment; however this is subject to certain conditions. Call us on 0345 725 3253 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 0345 725 3253.
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. 0345 numbers may not be available outside the UK. The price of calls will vary by provider.
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.