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Call Us On: 0345 725 3253*

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 8am to 8pm Monday to Friday and 9am to 4pm on Saturdays.

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. 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. To find out more about switching to the Bank of Scotland you can call us on 0345 725 3253 . Lines are open from 8am to 8pm Monday to Friday and 9am to 4pm on Saturdays.

What do I do if I want to move home?

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. To find out more about moving your existing rate and whether this option is available to you, you can call us on 0345 725 3253. Lines are open from 8am to 8pm Monday to Friday and 9am to 4pm on Saturdays.

What do I do if I want Additional Borrowing?

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. To find out more about switching to the Bank of Scotland and whether this option is available to you, you can call us on 0345 725 3253. Lines are open from 8am to 8pm Monday to Friday and 9am to 4pm on Saturdays.

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 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. To find out more about switching to the Bank of Scotland you can call us on 0345 725 3253. Lines are open from 8am to 8pm Monday to Friday and 9am to 4pm on Saturdays.

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?

Whilst TMB no longer offer product switches, if your existing mortgage deal is coming to an end or you want to switch to another deal, we can offer help and support through a switch to the Bank of Scotland. Switching would give you access to the current Bank of Scotland products and rates. To find out more about switching to the Bank of Scotland you can call us on 0345 725 3253. Lines are open from 8am to 8pm Monday to Friday and 9am to 4pm on Saturdays.

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?

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. To find out more about switching to the Bank of Scotland you can call us on 0345 725 3253. Lines are open from 8am to 8pm Monday to Friday and 9am to 4pm on Saturdays.

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) 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. To find out more about switching to the Bank of Scotland you can call us on 0345 725 3253. Lines are open from 8am to 8pm Monday to Friday and 9am to 4pm on Saturdays.

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.

 

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.