TSB Bank Discount Codes & Deals

How did you get your first mortgage, go through the same process as you have to remortgage or you end up paying twice as much interest.

Hello all, quick question, my first 5 years mortgage is finishing June 2021, 200,000 house, 40,000 deposit, so borrowed 160,000. 760 per month repayments, unsure of % off top of my head. With Halifax. What happens now, what are my options? Can i change bank, with a lower interest rate and make the payments lower than 760? Massive thanks to any responses!

I’ve got a 40% deposit thanks so it does happen.

40000

It is doable for some people i could have done it but i decided the rent and save juzt to get out of my parents house Theres plenty of others like me

Same, 999 experian score, good salary, 5 years of flawless credit history with loans and credit cards. I just wanted a new balance transfer card because I have no offers on the existing ones, but I guess I will keep looking? They should be doing a soft-check first as with their requirements, I am guessing all the do constantly is leave a shitstain on people's records.

HAHAHAHAHA ... COLD.. you know why ? even if you have perfect credit history they are rejecting people. Fake deal from the provider - not the op 975 Experian Credit Score Mortgage - never missed a payment credit card with a huge limit and only used 10% of it ( which I planned to move balance) no other credit whatsoever and still declined The only thing I got out of this was a black mark of a hard search from these muppets

I use Amex Platinum however the odd retailer still doesn't accept it, at this point I open my wallet ( it's full of credit cards ) and mutter "there's another stolen one in here I'm sure will work." The police have been notified twice to my knowledge due to gullible store staff!

Definitely. Girls will go mad for you. Everyone is envious of people with credit cards, the more the better. Get it ordered and wap it around like it's the 1980’s. Loadsa money!

Looking for a 0% money transfer but there seems to be nothing fee free.

Well that was an ordeal, after being on hold for ages (with agents temporarily connecting to me and trying to convince me to hang up) I was told I needed to go into branch to finalise my application - even though the branch isn't open until 3rd December at the earliest... In the end I got a slightly worse rate with Halifax (2.9%) and the money was in my account within 30 seconds...

I was quoted 2.8%, I've been told my application is being reviewed now though (I've done it after Fridays closing time, so whether I actually get it or not remains to be seen).

Sorry Summer, but your "socialsupport" is pretty poor. The response I received when I contacted you was incoherent, contradictory, and almost unintelligble. Quidco really need to work on how they deal with "support", and indeed, how they advertise, promote (and most importantly) honour their offers. I simply no longer trust Quidco after they failed to pay out on a Sky offer a couple of years ago, and are looking likely to let me down again in the very near future.

You could try Tesco Bank, the APR is 2.9% and you could get £52.50 cashback from TCB which makes it pretty attractive.

The best I’m getting is 14.9% (lol) anyone actually getting the 2.8%? Any alternative?

Paying your debts on time. Not defaulting. Using credit sensibly etc.

Out of curiosity.. How does one work on their history?

But the score is irrelevant. Only the data in your files is the part that matters. Not the made up numbers.

I use ClearScore

How do you know or where did you check your "excellent credit score" ? Genuinely asking, not trying to sound rude. Thank you

I believe purchase within 90 days and must pay and never miss any minimum payment. Have a quick search

How does this work as never used one of these? So purchases can be made any time during 20 months period and no minimum or maximum (Upto credit limit) purchase amounts to qualify for 0%?

When was this, just checked and the longest I can see is 18months...there’s ones for 20m with NatWest and others but was looking for 24months plus

Batclays had one until 2022

Anyone know what the current longest interest free on purchases card is? Im going to be spending quite a lot over the coming weeks but won't be able to pay back in full until the end of 2021/early 2022.

I know no one has a crystal ball but... I would have thought two years would be lower than this now when five years are around the same with a very small reservation fee.

Because it is for anyone who has 60% LTV or less. Cannot imagine most new buyers having a 40% deposit.

explain?

These are first time mortgage rates too are they not? I meant waiting for house prices to fall before buying a property.

This person likes to comment a lot on remortgage deals, odd considering they don’t have a mortgage. They normally have constructive comments such as “house prices going to crash”. I wouldn’t waste your time on them!

I am looking for a balance transfer card with the longest possible term, but not with a 3% fee. If I don't see a decent deal by June I'll either go for the best one that doesn't cost me anything, or pay the £3500 off in full. I rue the day I got one of these cards. I don't like having debt and it was very VERY easy to build it up on the never never. OK, that's fine and I can pay it off in full if I need to / want to, but definitely not the way I think credit cards should be used.

I applied today but rejected. Then i applied for Lloyds platinium 24 months balance transfer with 1.5% fee. Bingo. Whoever planning to apply for this one, be careful please.

Still opportunistic from the banks, when rates are near 0%. But if it helps someone save money then all good

Of course, but spread over 30 months you're paying a little over 1% per annum

3% is the standard fee across most balance transfer cards unless they are running a promotion. You could view it like that they have to make money somewhere.

Ah ok. Thanks! So you can offset a little. I’m debating whether to purchase another btl but uncertain as the tax puts me off!

20 % reduction on intrest costs

Does that mean you get a 20% reduction on net profit? I’m new to this. I offset the 25 percent this tax return but not sure what the score is next year? Any advice would be gratefully received!

Can I ask a question for anyone who can give advice, I know this isn't possibly the best forum but it would be a great start for me. If I own a property worth 150k with 80k on a mortgage, and I own a property worth 60k outright. And I want to fund the purchase of a property for 40k; is a BTL mortgage generally the correct way forward if I have 10k to put towards. Also is it best to go through my original provider if the rates are similar?

If you let it out for a few years but then live in it again yourself for a while do you still have to pay capital gains tax when you sell?

N26 are scarpering .. they reckon brexit will make paupers of us all, and we wont be able to pay back any loans. TSB not doing £100 for switching?

What's not to like if you are getting a free £100? You only have to stay long enough for your switch to go through so you and your referrer get £100. If you don't like them then you can move on. Or you can stay and refer others. I've been with them a few years nd have to say I have not really had any issues apart from the main one last year when no one could log in. It seems sorted now.

How long does it take for tsb to pay out on the account that switched

Great idea I’ll do this (y)

or try dogs trust charity and Oxfam £1 per month each. I always keep one handy for deals like this.

After having to raise a claim because it didn't track, my cashback has been declined as well (annoyed)

My Quidco cashback was declined too. I had the £50 for Classic plus a/c and £50 for Classic a/c respectively. I too credited each a/c with £500 with 3 monthly instalments. I also registered for paperless correspondence, and had the necessary debit card transactions. I contacted Quico through their live chat, and they too were at a loss as to the cashback claims being declined. They have initiated two claims on my behalf. They were helpful. Alas it can take up to six months before a decision either way can be adjudicated on. A lot of time and effort, but at least it didn't cost me financially :/

My casback has just been declined, put in over £500 a month and two transactions per month too!!

I think requirement of £500 is for classic plus account not for classic account. https://www.tsb.co.uk/current-accounts/?clickref=1011l7yxYBuP

Would the £500 pay in work if I just transferred from another TSB account to get the cash back