How Much Can You Overpay on Your TSB Mortgage?
This guide is for general information only and does not provide financial advice. Check your lender’s terms before overpaying, as early repayment charges may apply. Your home may be repossessed if you do not keep up repayments on your mortgage.
TSB says you can repay up to 10% of your mortgage balance each year without having to pay the charge, and that some products have a higher limit. It says the maximum is calculated using the balance as at 1 January of the year you make the repayment. Where there is no early repayment charge period, or it has expired, it says you can repay the loan in full or in part whenever you want.
Lender terms change, and your own mortgage offer is what applies to you. This page was checked on 30 September 2026 against TSB’s own page, linked below.
This page reports what TSB publishes on its own site. It is general information, not advice and not a statement of your own mortgage terms. See our editorial policy for how we source and re-check lender facts.
What TSB says about the yearly allowance
TSB says you can repay up to 10% of your mortgage balance each year without having to pay the charge, and that some products have a higher limit. It says the maximum is calculated using the balance as at 1 January of the year you make the repayment. Where there is no early repayment charge period, or it has expired, it says you can repay the loan in full or in part whenever you want.
you can repay up to 10% (some products have a higher limit) of your mortgage balance each year without having to pay the charge.
The maximum amount you can overpay is calculated using the balance as at 1 January of the year in which you make the repayment.
Where there is no early repayment charge period or it has expired you can repay the loan in full or in part whenever you want.
What TSB says about early repayment charges
TSB says that if you repay the maximum amount and then repay the rest of the loan in full within six months, the early repayment charge will also be charged on the amount you first repaid.
If you repay the maximum amount then repay the remainder of the loan in full within six months, the early repayment charge will also be charged on the amount you initially repaid.
Source: TSB: Mortgage FAQs for Existing Customers. Checked on 30 September 2026.
Working out a charge
If you are thinking about overpaying more than an allowance, use our early repayment charge calculator with the figures from your own mortgage offer. Our guides explain what an early repayment charge is, when an allowance resets and how the yearly limit works. If you are unsure, consider speaking to a regulated mortgage adviser.
Questions people ask
How much can I overpay on a TSB mortgage?
TSB says you can repay up to 10% of your mortgage balance each year without having to pay the charge, and that some products have a higher limit. It says the maximum is calculated using the balance as at 1 January of the year you make the repayment. Where there is no early repayment charge period, or it has expired, it says you can repay the loan in full or in part whenever you want. Check your own mortgage offer, because the terms that apply to you are in it.
Is this the same as my own mortgage terms?
Not necessarily. This page reports what TSB publishes on its own site, as checked on 30 September 2026. Your mortgage offer sets the terms that apply to you, and they can differ by product and by the date you took the mortgage.
Other lenders we cover
Nationwide, NatWest, Halifax, Santander, HSBC UK, Virgin Money, Yorkshire Building Society, Skipton Building Society, Barclays, Lloyds Bank.