TSB Secured Loans – 2.79% APR Homeowner Loan

TSB Homeowener Loans

  • 2.97% APR TSB Secured Loans
  • Loan to value 90%
  • Small home valuation fee
  • Ideal for homeowners wanting to borrow over £10,000
  • No lenders fees, advisors fees or brokers fees

 


 

TSB Secured loan

West One Secured Loans Limited will check your credit history and your existing loans secured and unsecured – they have to think you can repay the loan
West One Secured Loans Limited: West One Secured Loans Limited will check your credit history and your existing loans secured and unsecured – they have to think you can repay the loan
Total payable
£30,763
Fees
£3,145
Overall cost for comparison
8.5% APRC
To pay off balance over 60 months
£460.30 p/m

Shawbrook Bank Limited Secured Loan
Shawbrook Bank Limited: Shawbrook Bank Limited Secured Loan
Total payable
£30,810.20
Fees
£3,050
Overall cost for comparison
8.5% APRC
To pay off balance over 60 months
£462.67 p/m

Paragon Bank PLC – find the right types of secured mortgage with low monthly repayments
Paragon Bank PLC: Paragon Bank PLC – find the right types of secured mortgage with low monthly repayments
Total payable
£30,903.80
Fees
£3,245
Overall cost for comparison
8.7% APRC
To pay off balance over 60 months
£460.98 p/m

Optimum Credit Ltd Second Charge
Optimum Credit Ltd: Optimum Credit Ltd Second Charge
Total payable
£30,969.60
Fees
£3,345
Overall cost for comparison
8.8% APRC
To pay off balance over 60 months
£460.41 p/m

Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Masthaven Bank Ltd: Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Total payable
£30,998.60
Fees
£3,245
Overall cost for comparison
8.8% APRC
To pay off balance over 60 months
£462.56 p/m

United Trust Bank bad credit fixed rate – access equity in your home
United Trust Bank: United Trust Bank bad credit fixed rate – access equity in your home
Total payable
£31,175.60
Fees
£3,245
Overall cost for comparison
9.1% APRC
To pay off balance over 60 months
£465.51 p/m

Together second mortgage – TSB Secured Loan likely cheaper overall
Together: Together second mortgage
Total payable
£32,952.10
Fees
£3,497.50
Overall cost for comparison
11.5% APRC
To pay off balance over 60 months
£490.91 p/m

Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards
Central Trust Ltd: Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards
Total payable
£34,024.60
Fees
£3,250
Overall cost for comparison
12.9% APRC
To pay off balance over 60 months
£512.91 p/m

Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans
Norton Home Loans: Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans
Total payable
£34,068.10
Fees
£3,437.50
Overall cost for comparison
12.9% APRC
To pay off balance over 60 months
£510.51 p/m

Oplo – consider monthly payments, broker fees, fixed or variable rates and your existing unsecured loans or personal loan
Oplo: Oplo – consider monthly payments, broker fees, fixed or variable rates and your existing unsecured loans or personal loan
Total payable
£34,159.60
Fees
£3,745
Overall cost for comparison
13.0% APRC
To pay off balance over 60 months
£506.91 p/m

Overall representative example

Based on borrowing

£18,000 over 120 months

The overall cost of comparison

9.1% APRC representative

Borrowing rate

6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71

Broker fee

£1,530

Lender fee

£495

Total amount payable

£26,945.40 comprised of a loan amount of £18,000 and interest of £6,920.40

Homeowner loans TSB

West One Secured Loans Limited will check your credit history and your existing loans secured and unsecured – they have to think you can repay the loan
West One Secured Loans Limited: West One Secured Loans Limited will check your credit history and your existing loans secured and unsecured – they have to think you can repay the loan
Total payable
£32,388.52
Fees
£3,145
Overall cost for comparison
6.7% APRC
To pay off balance over 96 months
£304.62 p/m

Shawbrook Bank Limited Secured Loan
Shawbrook Bank Limited: Shawbrook Bank Limited Secured Loan
Total payable
£32,527.76
Fees
£3,050
Overall cost for comparison
6.8% APRC
To pay off balance over 96 months
£307.06 p/m

Paragon Bank PLC – find the right types of secured mortgage with low monthly repayments
Paragon Bank PLC: Paragon Bank PLC – find the right types of secured mortgage with low monthly repayments
Total payable
£32,554.76
Fees
£3,245
Overall cost for comparison
6.9% APRC
To pay off balance over 96 months
£305.31 p/m

Optimum Credit Ltd Second Charge – Homeowner loans TSB likely cheaper

Optimum Credit Ltd: Optimum Credit Ltd 2nd charge Loan
Total payable
£32,599.08
Fees
£3,345
Overall cost for comparison
6.9% APRC
To pay off balance over 96 months
£304.73 p/m

Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Masthaven Bank Ltd: Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Total payable
£32,712.20
Fees
£3,245
Overall cost for comparison
7.0% APRC
To pay off balance over 96 months
£306.95 p/m

United Trust Bank bad credit fixed rate – access equity in your home
United Trust Bank: United Trust Bank bad credit fixed rate – access equity in your home
Total payable
£33,004.04
Fees
£3,245
Overall cost for comparison
7.2% APRC
To pay off balance over 96 months
£309.99 p/m

Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees
Step One Finance Limited: Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees
Total payable
£35,351.60
Fees
£2,750
Overall cost for comparison
9.2% APRC
To pay off balance over 96 months
£339.60 p/m

Together second mortgage
Together: Together second mortgage
Total payable
£35,801.50
Fees
£3,497.50
Overall cost for comparison
9.5% APRC
To pay off balance over 96 months
£336.50 p/m

Oplo – consider monthly payments, broker fees, fixed or variable rates and your existing unsecured loans or personal loan
Oplo: Oplo – consider monthly payments, broker fees, fixed or variable rates and your existing unsecured loans or personal loan
Total payable
£37,673.32
Fees
£3,745
Overall cost for comparison
11.0% APRC
To pay off balance over 96 months
£353.42 p/m

Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans
Norton Home Loans: Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans
Total payable
£37,732.54
Fees
£3,437.50
Overall cost for comparison
11.0% APRC
To pay off balance over 96 months
£357.24 p/m

Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards
Central Trust Ltd: Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards
Total payable
£37,790.80
Fees
£3,250
Overall cost for comparison
11.1% APRC
To pay off balance over 96 months
£359.80 p/m

Overall representative example

Based on borrowing

£18,000 over 120 months

The overall cost of comparison

9.1% APRC representative

Borrowing rate

6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71

Broker fee

£1,530

Lender fee

£495

Total amount payable

£26,945.40 comprised of a loan amount of £18,000 and interest of £6,920.40

TSB Bank Secured Loans

West One Secured Loans Limited will check your credit history and your existing loans secured and unsecured – they have to think you can repay the loan
West One Secured Loans Limited: West One Secured Loans Limited will check your credit history and your existing loans secured and unsecured – they have to think you can repay the loan
Total payable
£34,646.44
Fees
£3,145
Overall cost for comparison
5.7% APRC
To pay off balance over 144 months
£218.76 p/m

Paragon Bank PLC – find the right types of secured mortgage with low monthly repayments
Paragon Bank PLC: Paragon Bank PLC – find the right types of secured mortgage with low monthly repayments
Total payable
£34,851.56
Fees
£3,245
Overall cost for comparison
5.8% APRC
To pay off balance over 144 months
£219.49 p/m

Optimum Credit Ltd Second Charge
Optimum Credit Ltd: Optimum Credit Ltd Second Charge
Total payable
£34,863.72
Fees
£3,345
Overall cost for comparison
5.9% APRC
To pay off balance over 144 months
£218.88 p/m

Shawbrook Bank Limited Secured Loan
Shawbrook Bank Limited: Shawbrook Bank Limited Secured Loan
Total payable
£34,920.08
Fees
£3,050
Overall cost for comparison
5.9% APRC
To pay off balance over 144 months
£221.32 p/m

Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Masthaven Bank Ltd: Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Total payable
£35,097.80
Fees
£3,245
Overall cost for comparison
6.0% APRC
To pay off balance over 144 months
£221.20 p/m

United Trust Bank bad credit fixed rate – access equity in your home
United Trust Bank: United Trust Bank bad credit fixed rate – access equity in your home
Total payable
£35,557.16
Fees
£3,245
Overall cost for comparison
6.2% APRC
To pay off balance over 144 months
£224.39 p/m

Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees
Step One Finance Limited: Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees
Total payable
£39,579.44
Fees
£2,750
Overall cost for comparison
8.3% APRC
To pay off balance over 144 months
£255.76 p/m

Together second mortgage
Together: Together second mortgage
Total payable
£39,850.30
Fees
£3,497.50
Overall cost for comparison
8.4% APRC
To pay off balance over 144 months
£252.45 p/m

Oplo – consider monthly payments, broker fees, fixed or variable rates and your existing unsecured loans or personal loan
Oplo: Oplo – consider monthly payments, broker fees, fixed or variable rates and your existing unsecured loans or personal loan
Total payable
£42,712.84
Fees
£3,745
Overall cost for comparison
9.9% APRC
To pay off balance over 144 months
£270.61 p/m

Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans
Norton Home Loans: Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans
Total payable
£43,000.06
Fees
£3,437.50
Overall cost for comparison
10.0% APRC
To pay off balance over 144 months
£274.74 p/m

Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards
Central Trust Ltd: Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards
Total payable
£43,211.44
Fees
£3,250
Overall cost for comparison
10.1% APRC
To pay off balance over 144 months
£277.51 p/m

Overall representative example

Based on borrowing

£18,000 over 120 months

The overall cost of comparison

9.1% APRC representative

Borrowing rate

6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71

Broker fee

£1,530

Lender fee

£495

Total amount payable

£26,945.40 comprised of a loan amount of £18,000 and interest of £6,920.40

Homeowner Loan TSB

 

 

TSB
‏Verified account @TSB
Replying to @Jubez_x

Hi Julia. For the majority our customers, Internet Banking and the Mobile App are working. We are sorry if you are still experiencing issues and would like to talk to you further so we can help resolve this for you. Can you please direct message us so we can contact you. Dean
1:28 AM – 18 Jul 2018
3 replies 0 retweets 0 likes

New conversation
Tristan
‏ @tristanban
18 Jul 2018

Replying to @TSB @Jubez_x

Nope mine isn’t working again ….
1 reply 0 retweets 0 likes
TSB
‏Verified account @TSB
18 Jul 2018

Good morning Tristan. We’re really sorry that some of our customers are experiencing temporary issues with our Mobile Banking app. Customers are still able to access their accounts via Internet Banking on https://tsb.uk/2i6qqk7 using a desktop browser… https://tsb.uk/2O0gSor
0 replies 0 retweets 0 likes

End of conversation

New conversation
Kirky
‏ @Kirkylufc
18 Jul 2018

Replying to @TSB

Mines not working either 🤔
1 reply 0 retweets 0 likes
TSB
‏Verified account @TSB
18 Jul 2018

Hello. We’re really sorry that some of our customers are experiencing temporary issues with our mobile banking app. Customers are still able to access their accounts via Internet Banking on https://tsb.uk/2i6qqk7 using a desktop browser or any mobile … https://tsb.uk/2NkYSny
0 replies 0 retweets 0 likes

End of conversation

SAM
‏ @holmes291
18 Jul 2018

Replying to @TSB @Jubez_x

Mines not working either!
0 replies 0 retweets 0 likes

Early repayment charges apply.

Representative Example: Assumed borrowing of £15,000.00 over 120 months at a nominal annual rate of 5.7% (fixed) would result in a representative rate of 5.9% APR (fixed), 120 monthly repayments of £164.63, total amount repayable is £19,755.60. Credit available subject to status.

Flexibility

Early repayment charges
A charge will be applied if you repay the loan early.

Repayment holidays
Repayment holidays are not available with this loan.

Loan Term
Minimum of 3 years, and a maximum of 30 years
Repayments

Initial repayment rate
4% (fixed)

Initial monthly repayments
24 x £183.86

Subsequent repayment rate
3.95% (variable)

Subsequent monthly repayments
120 x £183.43
To apply

Age
You must be at least 18 years old to apply.

Credit History
You need a good credit history and no CCJs.

Loan to Value
The maximum Loan to Value is 60%
Loan purpose

Use of debt consolidation
Use this loan for most purposes, including debt consolidation.

Early repayment charges apply.

Homeowner Loan: An assumed borrowing of £21,000 over 12 years, representative 5.5% APRC. Total amount payable: £28,699.23. Includes interest of £5,424.23, broker fee of £1,680 and lender fee of £595. Repayments: 24 monthly repayments of £183.86 at 4.00% (fixed), then 120 monthly repayments of £183.43 at 3.95% (variable).

Prestige
Prestige
Will I get accepted for this loan?
5.5%
APRC
Representative
£189.20
Initial monthly repayments
over 24 months
£32,308.66
Total amount payable
Flexibility

Early repayment charges
A charge will be applied if you repay the loan early.

Repayment holidays
Repayment holidays are not available with this loan.

Loan Term
Minimum of 3 years, and a maximum of 25 years
Repayments

Initial repayment rate
3.99% (fixed)

Initial monthly repayments
24 x £189.20

Subsequent repayment rate
3.69% (fixed)

Subsequent monthly repayments
132 x £186.31
To apply

Age
You must be between 21 and 85 years old to apply.

Credit History
You need a good credit history and no CCJs.

Loan to Value
The maximum Loan to Value is 65%
Loan purpose

Use of debt consolidation
This loan can’t be used for debt consolidation.

Early repayment charges apply.

Homeowner Loan: An assumed borrowing of £23,000 over 13 years, representative 5.5% APRC. Total amount payable: £32,308.66. Includes interest of £6,133.66, broker fee of £2,875 and lender fee of £300. Repayments: 24 monthly repayments of £189.20 at 3.99% (fixed), then 132 monthly repayments of £186.31 at 3.69%

Masthaven – TSB Bank Secured Loans likely cheaper overall
Masthaven
Will I get accepted for this loan?
5.9%
APRC
Representative
£191.47
Initial monthly repayments
over 24 months
£32,932.63
Total amount payable
Flexibility

Early repayment charges
You will not be charged a fee if you repay this loan early.

Repayment holidays
Repayment holidays are not available with this loan.

Loan Term
Minimum of 3 years, and a maximum of 35 years
Repayments

Initial repayment rate
4.19% (fixed)

Initial monthly repayments
24 x £191.47

Subsequent repayment rate
4.75% (variable)

Subsequent monthly repayments
132 x £196.99
To apply

Age
You must be at least 21 years old to apply.

Credit History
You need a good credit history and no CCJs.

Loan to Value
The maximum Loan to Value is 65%
Loan purpose

Use of debt consolidation
This loan can’t be used for debt consolidation.

Homeowner Loan: An assumed borrowing of £23,000 over 13 years, representative 5.9% APRC. Total amount payable: £32,932.63. Includes interest of £7,597.63, broker fee of £1,840 and lender fee of £495. Repayments: 24 monthly repayments of £191.47 at 4.19% (fixed), then 132 monthly repayments of £196.99 at 4.75% (variable).

No credit check loans click here

TSB Bank direct contact details

TSB Bank plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland, no. SC95237.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240.

TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service.